Card – Frictionless Payments

Frictionless Payments

3-D Secure 2 is an improved version of the old protocol, now allowing frictionless payments where transactions can be completed without input from the cardholder. To increase the chances of a frictionless payment, there are certain fields that should be included in your request. The more information you add, the better.

Cardholder

Payer Node

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{
    "cardholder": {
        "firstName": "Olivia",
        "lastName": "Nyhuus",
        "email": "olivia.nyhuus@payex.com",
        "msisdn": "+4798765432",
        "homePhoneNumber": "+4787654321",
        "workPhoneNumber": "+4776543210",
        "shippingAddress": {
            "addressee": "Olivia Nyhuus",
            "email": "olivia.nyhuus@payex.com",
            "msisdn": "+4798765432",
            "streetAddress": "Saltnestoppen 43",
            "coAddress": "",
            "city": "Saltnes",
            "zipCode": "1642",
            "countryCode": "NO",
            },
            "billingAddress": {
                "firstName": "firstname/companyname",
                "lastName": "lastname",
                "email": "karl.anderssson@mail.se",
                "msisdn": "+46759123456",
                "streetAddress": "Helgestavägen 9",
                "coAddress": "",
                "city": "Solna",
                "zipCode": "17674",
                "countryCode": "SE"
            },
            "accountInfo": {
                "accountAgeIndicator": "04",
                "accountChangeIndicator": "04",
                "accountPwdChangeIndicator": "01",
                "shippingAddressUsageIndicator": "01",
                "shippingNameIndicator": "01",
                "suspiciousAccountActivity": "01"
            }
        },
}

Field	Type	Description
`cardholder`	`object`	Cardholder object that can hold information about a payer (private or company). The information added increases the chance for a frictionless 3-D Secure 2 flow.
`firstname`	`string`	Cardholder’s first name.
`lastname`	`string`	Cardholder’s last name.
`email`	`string`	Cardholder’s registered email address.
`msisdn`	`string`	Cardholder’s registered mobile phone number.
`homePhoneNumber`	`string`	Cardholder’s registered home phone number.
`workPhoneNumber`	`string`	Cardholder’s registered work phone number.
`shippingAddress`	`object`	The shipping address object related to the `cardholder`.
`addressee`	`string`	The name of the addressee – the receiver of the shipped goods.
`coAddress`	`string`	Cardholder’s c/o address, if applicable.
`streetAddress`	`string`	Cardholder’s street address. Maximum 50 characters long.
`zipCode`	`string`	Cardholder’s zip code.
`city`	`string`	Cardholder’s city of residence.
`countryCode`	`string`	Country Code for the country of residence.
`billingAddress`	`object`	The billing address object containing information about the payer’s billing address.
`firstName`	`string`	The first name of the payer.
`lastName`	`string`	The last name of the payer.
︎ `streetAddress`	`string`	The street address of the payer. Maximum 50 characters long.
`coAddress`	`string`	The CO-address (if used)
`zipCode`	`string`	The postal number (ZIP code) of the payer.
`city`	`string`	The city of the payer.
`countryCode`	`string`	`SE`, `NO`, or `FI`.
`accountInfo`	`object`	Object related to the `payer` containing info about the payer’s account.
`accountAgeIndicator`	`string`	Indicates the age of the payer’s account. `01` (No account, guest checkout) `02` (Created during this transaction) `03` (Less than 30 days old) `04` (30 to 60 days old) `05` (More than 60 days old)
`accountChangeIndicator`	`string`	Indicates when the last account changes occurred. `01` (Changed during this transaction) `02` (Less than 30 days ago) `03` (30 to 60 days ago) `04` (More than 60 days ago)
`accountChangePwdIndicator`	`string`	Indicates when the account’s password was last changed. `01` (No changes) `02` (Changed during this transaction) `03` (Less than 30 days ago) `04` (30 to 60 days ago) `05` (More than 60 days old)
`shippingAddressUsageIndicator`	`string`	Indicates when the payer’s shipping address was last used. `01`(This transaction) `02` (Less than 30 days ago) `03` (30 to 60 days ago) `04` (More than 60 days ago)
`shippingNameIndicator`	`string`	Indicates if the account name matches the shipping name. `01` (Account name identical to shipping name) `02` (Account name different from shipping name)
`suspiciousAccountActivity`	`string`	Indicates if there have been any suspicious activities linked to this account. `01` (No suspicious activity has been observed) `02` (Suspicious activity has been observed)

Risk Indicator

Risk Indicator Node

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{
    "riskIndicator": {
        "deliveryEmailAddress": "olivia.nyhuus@payex.com",
        "deliveryTimeFrameIndicator": "01",
        "preOrderDate": "19801231",
        "preOrderPurchaseIndicator": "01",
        "shipIndicator": "01",
        "giftCardPurchase": false,
        "reOrderPurchaseIndicator": "01"
        "pickUpAddress" : {
            "name": "Company Megashop Sarpsborg",
            "streetAddress": "Hundskinnveien 92",
            "coAddress": "",
            "city": "Sarpsborg",
            "zipCode": "1711",
            "countryCode": "NO"
        }
    }
}

Field	Type	Description
`riskIndicator`	`object`	This object consist of information that helps verifying the payer. Providing these fields decreases the likelihood of having to prompt for a 3-D Secure authentication of the payer when they are authenticating the purchase.
`deliveryEmailAdress`	`string`	For electronic delivery, the email address to which the merchandise was delivered.
`deliveryTimeFrameIndicator`	`string`	Indicates the merchandise delivery timeframe. `01` (Electronic Delivery) `02` (Same day shipping) `03` (Overnight shipping) `04` (Two-day or more shipping).
`preOrderDate`	`string`	For a pre-ordered purchase. The expected date that the merchandise will be available. Format: `YYYYMMDD`.
`preOrderPurchaseIndicator`	`string`	Indicates whether the payer is placing an order for merchandise with a future availability or release date. `01` (Merchandise available) `02` (Future availability).
`shipIndicator`	`string`	Indicates shipping method chosen for the transaction. `01` (Ship to cardholder’s billing address) `02` (Ship to another verified address on file with merchant) `03` (Ship to address that is different than cardholder’s billing address) `04` (Ship to Store / Pick-up at local store. Store address shall be populated in the `riskIndicator.pickUpAddress` and `payer.shippingAddress` fields) `05` (Digital goods, includes online services, electronic giftcards and redemption codes) `06` (Travel and Event tickets, not shipped) `07` (Other, e.g. gaming, digital service).
`giftCardPurchase`	`bool`	`true` if this is a purchase of a gift card.
`reOrderPurchaseIndicator`	`string`	Indicates if the cardholder is reordering previously purchased merchandise. `01` (First time ordered) `02` (Reordered).
`pickUpAddress`	`object`	If the `shipIndicator` is set to `04`, you can prefill these fields with the payer’s `pickUpAddress` of the purchase to decrease the risk factor of the purchase.
`name`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `name`.
`streetAddress`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `streetAddress`. Maximum 50 characters long.
`coAddress`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `coAddress`.
`city`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `city`.
`zipCode`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `zipCode`.
`countryCode`	`string`	If the `shipIndicator` is set to `04`, prefill this with the payer’s `countryCode`.