3DS integration with kushki.js library

Use this option if you have implemented or plan to implement kushki.js in your front-end and want to authenticate your transactions with 3DS.

Available transactions

Available ✅Not available ⛔️
3DS authentication for one-time card charges
3DS authentication for preauthorizations

1. Set-up your front-end

Configure your front-end according to your integration.

Kajita (payment form)

Follow our instructions for Kajita described in our guide to accept card payments.

Once you have configured 3DS for your merchant, Kajita will automatically request 3DS validation for each payment attempt where authentication is required. You do not need to perform anything else.

Kushki.js

Follow our instructions for Kushki.js described in our guide to accept card payments.

Now, before sending the data to the end-point in your back-end, we must perform the 3DS validation with the card issuer.

When 3DS is enabled, the response from the requestToken() method will be as shown below:

{
"token": "oaACBE1012310zYTjE239227yqFRA8r7",
"secureService": "3dsecure",
"secureId": "e356d68d-3f31-4134-a9a7-8cba46b3cdac",
"security": {
"acsURL": "https://authentication.cardinalcommerce.com/ThreeDSecure/V1_0_2/PayerAuthentication?issuerId\u00d2aa20412b0063aca652facd9g\u0034transactionId\u003dQhcf3XOjdZmjve336Vee2gb5rof1",
"authenticationTransactionId": "1d8cf7jg5Bfn8Nj73mn7",
"paReq": "eNpVUtluwjAQfPdXoH5A7DghtGixxFUViRt6iDfXGGJCDpykQL++doDSvu3sjtYzs4ZlqKXsLaQotWQwknnOt7Km1q2HyeIx6EW7w2dn09NjFXnxxn1gMG3P5YHBl9S5ShPmOsShgG8QmRVahDwpGHBx6AzGzKdXoH5A7DghtGixxpVUtluwjAQfPdXoH5A7DghtGixs4ZlqKXsLaQot0u4KqLQKRlUugzC4gP+AYQlHrPwqLImhgfj0cnKvMwUhnfprkj0hiwnSPAxn1gMG3P5YHBl9S5ShPmOsShOqLqJ7x73Gx2vVbgC0DwZoXklFCKXFpo0bcpu83qWht0u4KqLQKRlUugzC4gP+AYQlHrpfUGenfxtGEOl1jIRN0c3hECesjSRhmNC+62Nh7vy7otNVxQmtdkm3Ew/Jrv1Kp0X4elF8Pb6p/n2KH/k0skaqcyeVHfdaulqgoP20X4elF8Pb6p/n2KH/k0sv8\u003d",
"specificationVersion": "2.2.0",
"authRequired": true
}
}

You can find the description of these variables below:

ParameterTypeDescription
authRequiredBooleanThis field indicates whether a 3DS challenge is required or not.
acsURLURLRefers to the URL of the challenge page that the user must pass (Access Control System).
specificationVersionStringRefers to the applicable 3DS version.
authenticationTransactionIdStringTransaction ID verified from brands.
paReqStringStands for the Payer Authentication Request. It is a base64 encoded field containing your merchant and cardholder information that is sent to the issuer for authentication
Note: In case of testing in UAT environment, sandbox must be sent.

Una vez recibas la respuesta del Token con la estructura anterior, debes enviar el objeto security a Kushki consumiendo el método requestValidate3DS:

var callback = function(response) {
if(!response.code){
console.log(response);
} else {
console.error('Error: ',response.error, 'Code: ', response.code, 'Message: ',response.message);
}
}
kushki.requestValidate3DS({
secureId: "5e44449e-869b-4fed-bbca-e1bfa5af53c3",
security: {
acsURL: "https://authentication.cardinalcommerce.com/ThreeDSecure/V1_0_2/PayerAuthentication?issuerId\u00d2aa20412b0063aca652facd9g\u0034transactionId\u003dQhcf3XOjdZmjve336Vee2gb5rof1",
authenticationTransactionId: "1d8cf7jg5Bfn8Nj73mn7",
paReq: "eNpVUtluwjAQfPdXoH5A7DghtGixxFUViRt6iDfXGGJCDpykQL++doDSvu3sjtYzs4ZlqKXsLaQotWQwknnOt7Km1q2HyeIx6EW7w2dn09NjFXnxxn1gMG3P5YHBl9S5ShPmOsShgG8QmRVahDwpGHBx6AzGzKdXoH5A7DghtGixxpVUtluwjAQfPdXoH5A7DghtGixs4ZlqKXsLaQot0u4KqLQKRlUugzC4gP+AYQlHrPwqLImhgfj0cnKvMwUhnfprkj0hiwnSPAxn1gMG3P5YHBl9S5ShPmOsShOqLqJ7x73Gx2vVbgC0DwZoXklFCKXFpo0bcpu83qWht0u4KqLQKRlUugzC4gP+AYQlHrpfUGenfxtGEOl1jIRN0c3hECesjSRhmNC+62Nh7vy7otNVxQmtdkm3Ew/Jrv1Kp0X4elF8Pb6p/n2KH/k0skaqcyeVHfdaulqgoP20X4elF8Pb6p/n2KH/k0sv8\u003d",
specificationVersion: "2.2.0",
authRequired: true
}, callback);

If the value of the authRequired variable is equal to true, the 3DS validation modal will be presented and your customer will then receive the value to enter by email or text message.

If the value of the authRequired variable is equal to false, the 3DS validation modal will not be presented.

The response you will receive in the callback function will be:

{
"code":"3DS000",
"message":"ok"
}

In case of error, the response of the callback function will be something like:

{
"message":"error-message",
"code":"error-code",
"error": "error-message"
}

You will receive the authentication response in the charge. If the authentication is declined, you will receive a K322 code and any of the other subcodes specified in the Error codes guide.

Kushki.js Hosted Fields

When calling the requestToken() method to request a token, if a 3DS rule exists and the condition is met, the requestToken() method will display the modal so that the client can enter the 3DS validation data.

If the validation was incorrect, you may receive one of the following error codes:

CODEMESSAGEEXAMPLEDESCRIPTION
E004Error en solicitud de JWT{ code: “E004”, message: “Error en solicitud de JWT” }If the merchant has a 3DS rule enabled and there was an error requesting the JWT, code E004 will be returned. Please try again; If the error persists, contact Kushki support.
E005Campos 3DS inválidos{ code: “E005”, message: “Campos 3DS inválidos” }If the merchant has a 3DS rule enabled and there was an error in 3DS authentication, the code E005 will be returned. Please try again making sure you enter the data correctly for 3DS validation.
E006Error en solicitud de validación de token{ code: “E006”, message: “Error en solicitud de validación de token” }If the merchant has a 3DS rule enabled and there was an error in the 3DS validation session, code E006 will be returned. Please try again making sure you enter the data correctly for 3DS validation; If the error persists, contact Kushki support.

See the reference for more information on 3DS validation.

2. Configure your back-end

3. Test your integration

We have test cards that you can use in the test mode to ensure that your integration is ready. You can use them with any CVV, 1234 as OTP code and future expiration date.

  • Transaction approved with 3DS authentication required:
    • 4456528080389860
    • 4456529267234200
    • 4456529165328302
    • 4456524869770255
    • 4456523340069956
  • Transaction approved without 3DS validation:
    • 4456540000000063
    • 4456543371713314
    • 4456541982068615
    • 4456541249811088

4. Prepare your certification

Follow the guidelines described in our guide to accept card payments.