If a merchant wants to use the Enterprise implementation and has a secure
login, but doesn’t store the payer’s SSN, they can add a
payerReference in the
payer field of the payment request.
payerReference is present along with
msisdn, the merchant
doesn’t need to add a
nationalIdentifier. Other than that, it is the same as
a regular Redirect or Seamless
View request using the Enterprise implementation.
If no existing consumer profile exists on the
msisdn, the payer will be asked to enter their social security number as shown
below. This information is needed in order to store payment information. The
payer will be given the option to continue as a guest. When doing so, no payment
information will be stored.