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