Managing 3D Secure Credentials

This section provides details of how to:

Creating a 3D Secure Credential

This API can be used to create a 3DS Authentication credential for a card.

Step 1: Retrieve card details

Before creating the credential for a card, identify the corresponding Public Token for the card to be used.
A card's public token is returned in the response to creating a card within the publicToken object.

Step 2: Create a 3D Secure credential

After identifying the public token for the card, you can create a 3D Secure credential for the card by executing a POST request to the Create 3DS Credential endpoint with the corresponding credential Type.

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API Explorer

See the Create 3DS Credential endpoint.

Credential Types

You can add multiple credentials to each card that you enrol in the 3D Secure service.

Credential Type

Description

OTPSMS

During a 3D Secure session, Cardinal generates a single-use One-Time Password
(OTP). GPS sends the OTP in an SMS text message to the cardholder’s mobile phone number and the cardholder enters the OTP in the 3D Secure screen to authenticate
the e-commerce transaction.

OTPEMAIL

During a 3D Secure session, Cardinal generates a single-use One-Time Password
(OTP). GPS sends the OTP in an email message to the cardholder’s email address and the cardholder enters the OTP in the 3D Secure screen to authenticate
the e-commerce transaction.

BIOMETRIC

During a 3D Secure session, Cardinal sends a Biometric authentication request to GPS and we forward this to your systems. You need to verify the cardholder using your customer smart phone application, via Biometric data, such as a fingerprint scan or face recognition, obtained from the cardholder’s mobile device. Your customer application manages the Biometric verification and returns a response to GPS.

OUTOFBANDOTHER

During a 3D Secure session, Cardinal sends an authentication request to GPS and we forward this to your systems. You need to verify the cardholder using your customer In-App smart phone application; for example, by asking them to enter a username. Your customer application manages the verification and returns a response to GPS.

Update a Credential

This API can be used to update a 3DS Authentication credential for a card.

Step 1: Retrieve card details

Before updating the credential for a card, identify the corresponding Public Token for the card to be used.
A card's public token is returned in the response to creating a card within the publicToken object.

Step 2: Update a 3D Secure credential

After identifying the public token for the card, you can update or delete the 3D Secure credential for the card by executing a POST request to the Update 3DS Credential endpoint with the corresponding credential Type.

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API Explorer

See the Update 3DS Credential endpoint.


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