Merchant Initiated (3RI) Conditional Lookup Fields

These fields are required for Merchant Initiated (3RI) transactions when a cardholder is not present.

Field Name

Description

Condition

Field Definition

Field Name

Description

Condition

Field Definition

ThreeRIIndicator

Indicates the type of 3RI request.

Possible Values:

01 - Recurring transaction

02 - Installment transaction

03 - Add card

04 - Maintain card

05 - Account verification

06 - Split/delayed shipment

07 - Top-up

08 - Mail Order

09 - Telephone Order

10 - Trustlist status check

11 - Other payment

NOTE:  EMV® 3-D Secure version 2.1.0 supports values 01-05.  Version 2.2.0 supports values 01-11.

Required for Merchant Initiated transactions.

N(2)

AuthenticationIndicator

Indicates the type of Authentication request.

01 - Payment transaction

02 - Recurring transaction

03 - Installment transaction

04 - Add card

05 - Maintain card

06 - Cardholder verification as part of EMV token ID&V

85 - Agent payment

Required if not a Payment transaction.

N(2)

Amount

Unformatted total transaction amount without any decimalization.

Example: 

$100.00 = 10000, $123.67 = 12367, $.99 = 99

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for 02-NPA if 3DS Requestor AuthenticationIndicator = 02 or 03.

N(48)

CurrencyCode

3 digit numeric ISO 4217 currency code for the sale amount.

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for 02-NPA if 3DS Requestor AuthenticationIndicator = 02 or 03.

N(3)

PurchaseDate

Date of original purchase. 

Format:

YYYYMMDDHHMMSS

NOTE: If not passed, Cardinal will use current date. Required for recurring transactions. 

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for Recurring and Installment transactions. 

AN(14)

Installment

Indicates the maximum number of authorizations for installment payments.

An integer value greater than 1 indicating the maximum number of permitted authorizations for installment payments.

Example values accepted:

  • 2

  • 02

  • 002

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for Recurring and Installment transactions.

N(3)

RecurringEnd

The date after which no further recurring authorizations should be performed.

Format:

YYYYMMDD

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for Recurring and Installment transactions.

N(8)

RecurringFrequency

Integer value indicating the minimum number of days between recurring authorizations. A frequency of monthly is indicated by the value 28. Multiple of 28 days will be used to indicate months.

Example:

6 months = 168

Example values accepted (31 days):

  • 31

  • 031

  • 0031

NOTE: Supports 3RI Device Channel in version 2.2.0

Required for Recurring and Installment transactions.

N(4)

ProductCode

Merchant product code.

Possible Values:

PHY - Goods/Service Purchase

CHA - Check Acceptance

ACF - Account Funding

QCT - Quasi-Cash Transaction 

PAL - Prepaid Activation and Load

NOTE:  Supports 3RI Device Channel in version 2.2.0

Required for Brazil.

AN(3)

DeviceChannel

Determines the channel that the transaction came through.

Possible Values: 

  • 3RI

Required for Merchant Initiated transactions.

AN(10)

MessageCategory

Identifies the message category for Payment or Non-Payment transaction.

Set to NPA or Merchant Profile configured.

Possible Values: 

01 - PA

02 - NPA

NOTE:  EMV® 3-D Secure version 2.1.0 supports values 02.  Version 2.2.0 supports values 01 and 02. This value can be set in the API on each transaction or within the client's Merchant Id.

Required for Merchant Initiated transactions.

N(2)

 

 

 

 

AlternatePriorAuthenticationData

This field carry data that the ACS can use to verify the authentication process. 

DS Transaction ID of the Initial or first recurring payment transaction must be passed on the field.

Required by Visa and Mastercard for 3RI transactions

AN(2048)

AlternatePriorAuthenticationTime

Date and time in UTC of the prior cardholder authentication.

Format

YYYYMMDDHHMM

Required by Visa and Mastercard for 3RI transactions

 N(12)

AlternatePriorAuthenticationRef

This data element contains a ACS Transaction ID for a prior authenticated transaction

For example, the first recurring transaction that was authenticated with the cardholder

Required by Visa and Mastercard for 3RI transactions

 AN(36)

AlternatePriorAuthenticationMethod

Mechanism used by the Cardholder to previously authenticate to the 3DS Requestor.

01 - Frictionless authentication occurred by ACS

02 - Cardholder challenge occurred by ACS

03 - AVS verified

04 - Other issuer methods

05-79 - Reserved for EMVCo future use (values invalid until defined by EMVCo)

80-99 - Reserved for DS use

Required by Visa and Mastercard for 3RI transactions

 N(2)

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