SCA

Event	Description	Applicable Methods
`fz.sca.success`	Emitted when 3DS validation completes successfully. The liability shifts from merchant to the card issuer.	renderPaymentsPage verifyCard
`fz.sca.error`	Emitted when 3DS enrolment or validation failed. The payment attempt is deemed risky and merchant shall not proceed with the payment.	renderPaymentsPage verifyCard

fz.sca.success Data Payload

Attribute	Type	Description
`aav`	string	Account Authentication Value. Unique 32-character transaction token for a 3D Secure transaction. For Mastercard Identity Check, the AAV is named the UCAF. For Visa Secure, the AAV is named the CAVV.
`cavv`	string	Cardholder Authentication Verification Value. A Base64-encoded string sent back with Visa Secure-enrolled cards that specifically identifies the transaction with the issuing bank and Visa. Standard for collecting and sending AAV data for Visa Secure transactions.
`par`	string	Payer Authentication Response. Compressed, Base64-encoded response from the card-issuing bank
`sli`	string	The Security Level Indicator for 3DS transactions
`xid`	string	String used by both Visa and Mastercard which identifies a specific transaction on the Directory Servers. This string value should remain consistent throughout a transaction’s history.
`ucaf`	string	Universal Cardholder Authentication Field. Mastercard only.
`ver`	string	3DS enrolment status.
`directoryServerTxnId`	string	Directory server transaction Id
`threedsVersion`	string	3DS version used for verifying the intended payment.

{
  message: "xxx",
  data: {
    aav: "xxx",
    cavv: "xxx",
    par: "xxx",
    sli: "xxx",
    xid: "xxx",
    ucaf: "xxx",
    ver: "xxx",
    directoryServerTxnId: "xxx",
    threedsVersion: "xxx",
  }
}

fz.sca.error Data Payload

Attribute	Type	Description
`errorCode`	string	Error code for specific 3DS/SCA failure scenario. errorCode will be not be present in the event of request timeout or server error See below for error code mapping.

// Request timeout, server error, etc. Prompt user to retry.
{
  errors: ["xxx"],
  data: null
}

// 3DS2 authentication failed. The card is deemed risky by issuer.
{
  errors: ["xxx"],
  data: {
    errorCode: "xxx"
  }
}

3DS/SCA Error Code Mapping

Error Code	Description
`001`	Bypassed authentication This is related to a feature that is currently not available. We will look at providing merchants the ability to configure rules to determine whether authentication is required for a transaction. -- No liability shift
`002`	Authentication not available on lookup Unable to verify 3DS enrolment status with the issuer. -- No liability shift
`003`	Unavailable frictionless authentication 3DS authentication is unavailable with the issuer. -- No liability shift
`004`	Unsuccessful frictionless authentication The issuer deems the transaction as risky -- No liability shift
`005`	Rejected frictionless authentication -- No liability shift
`006`	Unsuccessful step-up authentication Unsuccessful authentication due to failed OTP (one time password) challenge. -- No liability shift
`007`	Unavailable step-up authentication The card holder is enrolled for 3DS, but authentication is not available with that issuer. -- No liability shift