Merchants need to pass these fields to process a DAF transaction.
Visa requires merchants to be within 10 bps of fraud for participation in the DAF program.
Cardinal support for the Visa Digital Authentication Framework is currently considered Beta. The integration and corresponding documentation are subject to change.
Field Name | Description | Condition | Field Definition |
|---|---|---|---|
CustomerId
| Unique value assigned by the merchant to the transacting cardholder that can be used to manage state of the authenticated payment credential. Example:
| Required for | AN(254) |
BillingCity | Consumer's city on their billing address. Note: If the value passed is greater than the field definition, it will be truncated to the maximum allowable value. | Required for | AN(50) |
BillingCountryCode | Consumer's numeric 3-digit ISO 3166-1 country code. Example: United States = 840 Note: Please see the Visa Required mapping for countries such as Saint Barthelemy, Guernsey, Jersey, Isle of Man & Aland Islands below. | Required for | N(3) |
BillingAddress1 | Consumer's billing address information. Note: If the value passed is greater than the field definition, it will be truncated to the maximum allowable value. | Required for | AN(50) |
BillingPostalCode | Consumer's postal code of their billing address. | Required for | AN(16) |
BillingState | Consumer's state or province of their billing address. Note: Should be the country subdivision code defined in ISO 3166-2. The subdivision is code is what follows the hyphen separator in the full ISO 3166-2 code. For example, the state of Ohio in the United States is: | Required for | AN(3) |
Consumer's email address. | Required | AN(254) | |
MobilePhone | Consumer's phone number for mobile phone. This should be unformatted without hyphens. Note: This information will be passed to the Directory Server if the phone has a + sign and a country code. Examples: (US) + 1-222-234-5678 = +12222345678 (UK) + 44-1234-123456 = +441234123456 Note: This field is required for VISA Brazil extensions | Required for | N(25) |
IPAddress | The IP address of the Consumer. Note: IPv4 and IPv6 are supported. Example: IPv4 address: <IPAddress>1.12.123.255</IPAddress> IPv6 address: <IPAddress>2011:0db8:85a3:0101:0101:8a2e:03 70:7334</IPAddress> | Required for | AN(45) |
AuthenticationIndicator | Indicates the type of Authentication request. 01 - Payment transaction 02 - Recurring transaction 03 - Installment transaction 04 - Add card | Required if merchant wants to initiate a 3RI transaction. | N(2) |
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) |
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):
NOTE: Supports 3RI Device Channel in version 2.2.0 | Required for Recurring and Installment transactions. | N(4) |
Merchant Initiated Transactions (3RI) | |||
ThreeRIIndicator | Indicates the type of 3RI request. Possible Values:
| Required for | N(2) |
AlternatePriorAuthenticationTime | Date and time in UTC of the prior cardholder authentication. Format YYYYMMDDHHMM | Required 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 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 for 3RI transactions | N(2) |