Authenticate your subscriptions with 3DS

Get to know how to authenticate card tokenization with 3DS

This functionality is available for the following models:

☑ Acquirer
☑ Aggregator

To guarantee the security of your merchant, Kushki fraud prevention team will request you to activate the 3DS authentication when tokenizing cards to receive recurring payments, either one click or scheduled payments.

By having the 3DS authentication service active, your customers will be requested to complete an extra verification step (from now on, challenge) with the card issuer to complete certain transactions. This challenge usually consists of an OTP sent by the bank to your customer’s e-mail address or telephone number.

Check below for the availability of 3DS validation with subscriptions according to the affiliation and integration models available on Kushki.

3DS validation availability with subscriptions

By affiliation models

3DS validation for subscriptions is available with the following card brands:

Aggregation

Credit card and debit card
VISAMasterCardCARNET
Supported ✅Supported ✅Not supported ❌

Acquisition

Credit card and debit card
VISAMasterCardCARNET
Supported ✅Supported ✅Not supported ❌

By integration methods

3DS validation for subscriptions is available in the following integration methods:

Supported ✅Not supported ❌
Integration with Smartlink (scheduled payments)Integration through API
Integration with KajitaIntegration with Magento
Android integration (SDK)Integration with Prestashop
iOS integration (SDK)Integration with WooCommerce
Integration with payment buttonIntegration with VTEX
Kushki.js integrationIntegration with Shopify
Integration with Adobe Commerce

How does the 3DS authentication work?

Once the customer fills out the form and clicks on Save Card, Kushki will validate if 3DS authentication is required for the transaction. If this validation is required, your customer will be displayed a challenge whose experience may vary depending on the brand and the issuing bank. When your customer completes the challenge, they will be able to finalize the card registration.

The 3DS authentication flow (recurring charge creation) with Kushki is shown below:

3DS Cargos recurrentesEN

3DS Supported Brands

Marcas de tarjetas soportadas Perú - Débito

1. Configure your front-end

Configure your front-end according to your integration.

Kushki.js

Follow our instructions for Kushki.js described in our guide to accept recurring 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 requestSubscriptionToken() 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": "1.0.2",
"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.

Once you receive the Token response with the structure above, you must send the security object to Kushki by using the requestValidate3DS method:

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: "1.0.2",
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 322 code and any of the other subcodes specified in the Error codes guide.

2. Configure your back-end

3. Test your integration

Below you will find some test cards that you can use in test mode (UAT) to make sure your integration is ready. Use them with any CVV, enter any future expiration date and once the 3DS modal appears, enter 1234 as the validation code.

  • 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 recurring card payments.