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Development Notice

The Cardinal Virtual SDK is currently in Beta and is subject to changes within the codebase and documentation. Please reach out to your AE if there are any questions.

Overview

Universal Reference Guide

The documentation below covers many communication methods when it comes to talking with the Cardinal systems. There may be fields that include notes for "Cruise Standard" and "Cruise Hybrid" that may not be applicable to this integration.

This is the first transaction of the Lookup/Authenticate pair that is used to process the Consumer Authentication transaction request. The TransactionType value represented on the transaction request will dictate how the transaction will be processed. 

The CardNumber value dictates the program that will be used in processing the transaction. Currently, Verified by Visa, Mastercard SecureCode/Identity Check, American Express SafeKey, Discover ProtectBuy, JCB J/Secure and Diners Club ProtectBuy are supported by Centinel.

Merchants must ensure that Cardinal has the proper Acquiring Merchant Identification Number and corresponding Acquiring Bank Identification Numbers (BINs) configured in your account. The identifiers may vary based on card acceptance with your acquirer and processor. Please contact us to verify your credentials.


TLS Global Mandate

It is important to note that the Cardinal Cruise integration of Javascript, specifically Songbird.js, uses TLS 1.2 cipher suites and protocols and above. If you are currently using a deprecated TLS cipher suite and protocol (Ie: TLS 1.0 or 1.1) you will be required to upgrade to the latest and approved TLS 1.2 cipher suites and protocols. You can find the approved cipher suite list here.



Virtual SDK Lookup Request Example

Lookup Request Example 
<CardinalMPI>
	<ProcessorId>PROCESSOR ID</ProcessorId>
	<MerchantId>MERCHANT ID</MerchantId>
	<TransactionPwd>TRANSACTION PASSWORD</TransactionPwd>
	<Version>1.7</Version>
	<MsgType>cmpi_lookup</MsgType>
	<TransactionType>C</TransactionType>
	<OrderNumber>abc123doerayme</OrderNumber>
	<AcctNumber>4012##88</AcctNumber>
	<PurchaseAmount>1400</PurchaseAmount>
	<PurchaseCurrency>840</PurchaseCurrency>
	<CardNumber>4012##88</CardNumber>
	<CardExpMonth>09</CardExpMonth>
	<CardExpYear>2020</CardExpYear>
	<BillingCity>Mentor</BillingCity>
	<BillingAddress1>8100 Tyler Blvd</BillingAddress1>
	<BillingAddress2></BillingAddress2>
	<BillAddrPostCode>44060</BillAddrPostCode>
	<BillingCountryCode>840</BillingCountryCode>
	<BillAddrState>OH</BillAddrState>
	<CardholderName>
		<BillingFirstName>John</BillingFirstName>
		<BillingLastName>Doe</BillingLastName>
		<BillingFullName>John Doe</BillingFullName>
	</CardholderName>
	<ShippingCity>44060</ShippingCity>
	<ShippingAddress1>8100 Tyler Blvd</ShippingAddress1>
	<ShippingAddress2></ShippingAddress2>
	<ShippingPostalCode>44060</ShippingPostalCode>
	<BillingPostalCode>44060</BillingPostalCode>
	<BillingState>OH</BillingState>
	<ShippingState>OH</ShippingState>
	<Email>cardinal.mobile.test@gmail.com</Email>
	<ShippingCountryCode>840</ShippingCountryCode>
	<Amount>1400</Amount>
    <AcquirerId>12345</AcquirerId>
	<AcquirerMerchantId>1234</AcquirerMerchantId>
	<CategoryCode>5712</CategoryCode>
	<CountryCodeOverride>840</CountryCodeOverride>
	<MerchantName>Store Front</MerchantName>
	<MessageCategory>01</MessageCategory>
	<ProductCode>01</ProductCode>
	<CurrencyCode>826</CurrencyCode>
	<AuthenticationInfo></AuthenticationInfo>
	<OverridePaymentMethod></OverridePaymentMethod>
	<AddressMatch></AddressMatch>
	<Installment></Installment>
	<MerchantRiskInfo></MerchantRiskInfo>
	<RecurringEnd></RecurringEnd>
	<RecurringFrequency></RecurringFrequency>
	<SourceVersion>2.10</SourceVersion>
	<AuthenticationIndicator>01</AuthenticationIndicator>
	<MerchantUrl>http://www.cardinalcommerce.com</MerchantUrl>

    <!-- Virtual SDK Lookup Request Fields  -->
	<DeviceChannel>sdk</DeviceChannel>
	<ChallengeRenderInterface>03</ChallengeRenderInterface>
	<ChallengeRenderType>01</ChallengeRenderType>
	<ChallengeRenderType>02</ChallengeRenderType>
	<ChallengeRenderType>03</ChallengeRenderType>
	<ChallengeRenderType>04</ChallengeRenderType>
	<ChallengeRenderType>05</ChallengeRenderType>
	<SdkMaxTimeout>25</SdkMaxTimeout>
	<SdkTransId>78d42267-6d59-486e-8dba-3a3f427cf375</SdkTransId>
	<SdkEncData>ENCRYPTED DATA</SdkEncData>
    <SdkEphemPubKey>{"kty":"EC","crv":"P-256","x":"qkStspK65NrI8Dej0oRYGkoEvmWvl18JY_q8FKP20ag","y":"w9HVQNM02zLJ0YAcMaPUCybnAelPpjHKZqUu7aRjZkE"}</SdkEphemPubKey>
	<SdkAppId>dd86e2ba-626e-4a3e-9c03-324940d47e72</SdkAppId>
	<SdkReferenceNumber>3DS_LOA_SDK_CACC_020100_00063</SdkReferenceNumber>
</CardinalMPI>


Virtual SDK Lookup Request Fields

The table below includes the required fields for the Virtual SDK implementation. These have been separated from the rest of the lookup documentation as they are specific to the Virtual SDK.

Virtual SDK Lookup Request Fields (Required)

Field NameDescriptionRequiredField Definition
DeviceChannel

Determines the channel that the transaction came through.

Possible Values: 

SDK

NOTE: The value of SDK is required for Cardinal Virtual SDK transactions

YAN(10)
ChallengeRenderInterface

Defines the SDK UI types that the device supports for displaying specific challenge user interfaces within the SDK.

Equivalent to DeviceRenderOptions.sdkInterface in the EMVCo specification.

Possible Values: 

  • 01 = Native
  • 02 = HTML
  • 03 = Both
YN(2)
ChallengeRenderType

Specifies a particular SDK UI types that the device supports for displaying challenge user interfaces within the SDK. Multiple fields of this name are allowed.

Equivalent to DeviceRenderOptions.sdkUiType in the EMVCo specification.

Possible Values: 

  • 01 = Text
  • 02 = Single Select
  • 03 = Multi Select
  • 04 = OOB
  • 05 = HTML Other (valid only for HTML UI)
YN(2)
SdkMaxTimeout

Maximum time the SDK will wait for all message (in minutes).

Accepted Values: Greater than or = 05

YN(2)

SdkTransId

Universally unique transaction identifier assigned by the 3DS SDK to identify a single transaction.

YString(36)
SdkEncDataJWE object containing data encrypted by the SDK for the DS to decrypt.YString(64000)

SdkEphemPubKey

The public key component of the ephemeral key pair generated by the 3DS SDK and used to establish session keys between the 3DS SDK and ACS.

YJSON Object(6000)

SdkAppId

Universally Unique ID created upon all installations and updates of the 3DS Requestor App on a Consumer Device. This will be newly generated and stored by the 3DS SDK for each installation or update.

YString(36)

SdkReferenceNumber

Identifies the vendor and version for the 3DS SDK that is integrated into a 3DS Requestor App, assigned by EMVCo when the 3DS SDK is approved.

YString(32)


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