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Checking Enrollment When Using a Flex Microform Token

Running the Check Enrollment service identifies the customer's bank and prepares for collecting data about the device that the customer is using to place the order. In this use case, a Flex Microform token is used instead of the payment card data. Flex Microform tokens are only valid for 15 minutes.

Card-Specific Requirements

Some payment cards require specific information to be collected during a transaction.
paymentInformation.card.type
This field is required when the card type is
JCB
.

Country-Specific Requirements

These fields are required for transactions in specific countries.
consumerAuthenticationInformation. overrideCountryCode
orderInformation.billTo.administrativeArea
This field is required for transactions in the US and Canada.
orderInformation.billTo.postalCode
This field is required when the
orderInformation.billTo.country
 field value is
US
 or
CA
.
merchantInformation.merchantDescriptor. country

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 Checking Enrollment When Using a Flex Microform Token

These fields are the minimum fields required for verifying that a customer is enrolled in a payer authentication program while using a Flex Microform token. It doesn't matter if the enrollment check is frictionless or results in a challenge, the same fields are required in the request. The fields in the response will differ.

Required Fields

consumerAuthenticationInformation.deviceChannel
consumerAuthenticationInformation.referenceId
paymentInformation.customer.customerId
deviceInformation.httpAcceptBrowserValue
deviceInformation.httpAcceptContent
deviceInformation.httpBrowserColorDepth
deviceInformation.httpBrowserJavaEnabled
deviceInformation.httpBrowserJavaScript Enabled
deviceInformation.httpBrowserLanguage
deviceInformation.httpBrowserScreenHeight
*deviceInformation.httpBrowserScreenWidth
deviceInformation.httpBrowserTimeDif ference
deviceInformation.ipAddress
deviceInformation.userAgentBrowserValu
When the customer’s browser provides this value, you must include that value in your request.
orderInformation.amountDetails.currency
orderInformation.amountDetails.totalAmount
This field is required when the
orderInformation.lineItems.unitPrice
 field is not used.
orderInformation.billTo.address1
orderInformation.billTo.address2
orderInformation.billTo.administrativeArea
This field is required for the US and Canada.
orderInformation.billTo.country
This field is required for the US and Canada.
orderInformation.billTo.email
orderInformation.billTo.firstName
orderInformation.billTo.lastName
orderinformation.billTo.locality
orderInformation.billTo.phoneNumber
orderInformation.billTo.postalCode
paymentInformation.card.expirationYear
paymentInformation.card.expirationMonth
paymentInformation.card.type

REST Example: Checking Enrollment When Using a Flex Microform Token (Challenge)

Request
{
    "orderInformation": {
        "amountDetails": {
            "currency": "USD",
            "totalAmount": "10.99"
        },
        "billTo": {
            "address1": "1 Market St",
            "address2": "Address 2",
            "administrativeArea": "CA",
            "country": "US",
            "locality": "san francisco",
            "firstName": "John",
            "lastName": "Doe",
            "phoneNumber": "4158880000",
            "email": "[email protected]",
            "postalCode": "94105"
        }
    },
    "buyerInformation": {
        "mobilePhone": "1245789632"
    },
    "deviceInformation": {
        "ipAddress": "139.130.4.5",
        "httpAcceptContent": "test",
        "httpBrowserLanguage": "en_us",
        "httpBrowserJavaEnabled": "N",
        "httpBrowserJavaScriptEnabled": "Y",
        "httpBrowserColorDepth": "24",
        "httpBrowserScreenHeight": "100000",
        "httpBrowserScreenWidth": "100000",
        "httpBrowserTimeDifference": "300",
        "userAgentBrowserValue": "GxKnLy8TFDUFxJP1t"
    },
    "consumerAuthenticationInformation": {
        "deviceChannel": "BROWSER",
        "transactionMode": "eCommerce",
        "referenceId": "CybsCruiseTester-b767b4ea"
    },
    "tokenInformation": {
        "transientToken": "1C0RNHMQBTATXFCFNGR5EXH3XNOP6359LGLL9J283ATABJ8Z11NL66D834239B51"
    }
}
Response to Successful Request
{
    "clientReferenceInformation": {
        "code": "1725444594611"
    },
    "consumerAuthenticationInformation": {
        "challengeRequired": "N",
        "authenticationTransactionId": "jzULqrneaqG5H3Jev780",
        "strongAuthentication": {
            "OutageExemptionIndicator": "0"
        },
        "token": "AxjzbwSTiUOpWHIlxG5lABEBTyDYFlzPSBcS0JhdrSTL0YrmYUwKwAAAwwQS",
        "acsUrl": "https://0merchantacsstag.cardinalcommerce.com/MerchantACSWeb/creq.jsp",
        "acsReferenceNumber": "Cardinal ACS",
        "stepUpUrl": "https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp",
        "pareq": "eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMi4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiIxZDBjNzI1Ny05YmQzLTRmZTktYjM5OS04YzUxM2M4OGQ2OTkiLCJhY3NUcmFuc0lEIjoiODNjN2U2MzYtM2FmMi00YTk2LTllNTktN2M2NzU0MTI3ZDI0IiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjAyIn0",
        "directoryServerTransactionId": "231b97bd-2a3d-4500-b666-fda90334e5db",
        "veresEnrolled": "Y",
        "threeDSServerTransactionId": "1d0c7257-9bd3-4fe9-b399-8c513c88d699",
        "acsOperatorID": "MerchantACS",
        "specificationVersion": "2.2.0",
        "acsTransactionId": "83c7e636-3af2-4a96-9e59-7c6754127d24"
    },
    "errorInformation": {
        "reason": "CONSUMER_AUTHENTICATION_REQUIRED",
        "message": "The cardholder is enrolled in Payer Authentication. Please authenticate the cardholder before continuing with the transaction."
    },
    "id": "7254445946286742204005",
    "paymentInformation": {
        "card": {
            "bin": "445653",
            "type": "VISA"
        }
    },
    "status": "PENDING_AUTHENTICATION",
    "submitTimeUtc": "2024-09-04T10:09:55Z"
}