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2a: Installment - Customer Initiated Transaction (Mastercard)

In this instance, the initial authentication is for the total amount for all of the future installments. Once the initial authentication is completed by the customer, the subsequent installments do not require authentication and go directly to authorization, which is Mastercard’s preferred process.

Card Type	Test Card Number
Mastercard Card Type = 002	52XXXX XX XXXX 28X5

Endpoint

Production:

POST https://nabgateway-api.nab.com.au/risk/v1/authentication-setups

Test:

POST https://nabgateway-api-test.nab.com.au/risk/v1/authentication-setups

Required Fields for 3RI 2a: Installment - Customer Initiated Transaction (Mastercard)

Required Fields

consumerAuthenticationInformation. challengeCode: Set this field value to
03
.
consumerAuthenticationInformation. deviceChannel: Set this field value to
Browser
.
consumerAuthenticationInformation. messageCategory: Set this field value to
01
.
consumerAuthenticationInformation. installmentTotalCount: Set this field value to
02
.
consumerAuthenticationInformation. strongAuthentication.authenticationIndicator: Set this field value to
03
.
recurringPaymentInformation. endDate
recurringPaymentInformation. frequency
recurringPaymentInformation. numberOfPayments
recurringPaymentInformation. originalPurchaseDate
recurringPaymentInformation. sequenceNumber

REST Example: Checking Enrollment for a 3RI Customer Initiated Total Installments (Mastercard)

Request

{
   "orderInformation": {
    "amountDetails": {
      "currency": "eur",
      "totalAmount": "100.00"
    },
    "lineItems": [
      {
        "unitPrice": "120.00"
      }
    ],
    "billTo": {
      "address1": "201 S. Division St.",
      "administrativeArea": "MI",
      "country": "US",
      "locality": "Ann Arbor",
      "firstName": "RTS",
      "lastName": "VDP",
      "email": "[email protected]",
      "postalCode": "48104-2201"
    }
  },
  "paymentInformation": {
    "card": {
      "type": "002",
      "expirationMonth": "12",
      "expirationYear": "2027",
      "number": "52XXXXXXXXXX28X5"
    }
  },
  "deviceInformation": {
    "httpAcceptContent": "all",
    "httpBrowserLanguage": "en",
    "httpBrowserJavaEnabled": "y",
    "httpBrowserColorDepth": 1,
    "httpBrowserScreenHeight": 1,
    "httpBrowserScreenWidth": 1,
    "httpBrowserTimeDifference": 5,
    "userAgentBrowserValue": "chrome"
  },
  "recurringPaymentInformation": {
    "endDate": "20240906",
    "frequency": "31",
    "numberOfPayments": "1",
    "originalPurchaseDate": "2024080511243877",
    "sequenceNumber": "1"
  },
  "consumerAuthenticationInformation": {
    "strongAuthentication": {
      "authenticationIndicator": "03"
    },
    "authenticationDate": "20190829154531",
    "deviceChannel": "Browser",
    "installmentTotalCount": "2",
    "messageCategory": "01",
    "referenceId": "CybsCruiseTester-2551acb2"
  }
}

Response to a Successful Request

{
    "clientReferenceInformation": {
        "code": "RTS-Auth"
    },
    "consumerAuthenticationInformation": {
        "challengeRequired": "N",
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "token": "AxjzbwSTiTXaKSxK9bBhABECT34jN2Sb0h04ghLLtaSZV0ekj0yAsAAAxQTL",
        "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp",
        "acsReferenceNumber": "Cardinal ACS",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIzYzVhMzExMS1lYmVkLTRjNzUtOWQ5YS00M2QyZTEwYzkyYTciLCJhY3NUcmFuc0lEIjoiMTVlNDZmNWItNTcwZS00OWMwLTkyYzYtYmQyMTdiN2MxZTkxIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "acsOperatorID": "MerchantACS",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "7253450880266999804001",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2024-09-03T06:31:28Z"
}

REST Example: Validating the Challenge for a 3RI Customer Initiated Total Installments (Mastercard)

Request

{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "authenticationTransactionId": "RTk6DV9Nsv2I1d8BSh40"
    }
}

Response to a Successful Request

{
    "clientReferenceInformation": {
        "code": "pavalidatecheck",
        "partner": {
            "developerId": "7891234",
            "solutionId": "89012345"
        }
    },
    "consumerAuthenticationInformation": {
        "indicator": "spa",
        "eciRaw": "02",
        "authenticationResult": "0",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "authenticationStatusMsg": "Success",
        "token": "AxijLwSTiTXcdJ2PhbzFABFPfiM3dQgCEtDJpJlXR6SPTIAAJRcM",
        "paresStatus": "Y",
        "ucafCollectionIndicator": "2",
        "ucafAuthenticationData": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",
        "directoryServerTransactionId": "2a9df334-1fa9-4dfe-9b1d-f4a2f14ba003",
        "threeDSServerTransactionId": "3c5a3111-ebed-4c75-9d9a-43d2e10c92a7",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "15e46f5b-570e-49c0-92c6-bd217b7c1e91"
    },
    "id": "7253451526166806904005",
    "paymentInformation": {
        "card": {
            "bin": "520000",
            "type": "MASTERCARD"
        }
    },
    "status": "AUTHENTICATION_SUCCESSFUL",
    "submitTimeUtc": "2024-09-03T06:32:32Z"
}