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The Authentications API enables you to process EMVCo 3-D Secure authentication requests as standalone transactions, separate from payment authorization.

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Customer Initiated Authentications

Commerce allows you to process EMVCo 3-D Secure authentication requests as standalone requests. For example, these endpoints can be used to process payment authentication centrally and process the subsequent authorization requests conditionally on different payment processors. The section of customer initiated authentications consists of three use-cases:
  • One Off: A standard situation in which a single payment amount shall undergo 3-D Secure authentication.
  • Initial Recurring: An authentication of the first payment in the sequence of recurring payments.
  • Initial Installment: An authentication of the first payment in the sequence of installment payments.

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Merchant Initiated (3RI)

Commerce supports requestor-initiated EMVCo 3-D Secure authentication requests as standalone transactions. All requests in this section must be linked to a prior customer-initiated authentication.

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Authentication Data

Access the results of prior authentications for reference and audit purposes.