Option 1 - Data Exchange API plus JWT

Data Exchange API provides specific data points on an account number, enabling merchants to make better decisions during a transaction when considering available authentication options.

  • Allows the integrator to pass the full account number via a server-side JSON request to Cardinal instead of passing account number on the frontend.

  • Provides real-time data prior to authentication to help further inform merchants of the issuer capabilities before executing the transaction.

Flow:

 

Integration Steps:

  1. Cardinal Cruise Account Credentials

  2. PART 1 - Data Exchange API

    1. Connecting to the Data Exchange API

    2. Data Exchange Request Field Names

    3. Handling the Data Exchange Response with ReferenceId

  3. PART 2 - Cardinal CruiseAPI - ReferenceId passed in JWT

    1. Generating an Authentication JWT with ReferenceId

    2. Initiating the DeviceDataCollectionUrl

    3. Handle the Response from the Device Data Collection URL