Depending on the use case, the appropriate 3DS Specification version or the Bridging Message Extension will need to be supported.
Additionally, to initiate 3RI payment authentications for subsequent payments in a recurring or instalment transaction, EMV 3DS version 2.2 or 2.3.1 is required. The DS Transaction ID and/or the ACS Transaction ID, which was received in the initial authentication, is kept and used in each associated 3RI transaction.
The following data elements may be provided by 3DS Servers to support recurring and instalment transactions.
For additional information, refer to Table A.1 of the EMV 3-D Secure Protocol and Core Functions Specification and the EMV 3-D Secure Bridging Message Extension.
Table 4.1: 3DS Data Elements Related to Recurring and Instalment Transactions
Data Element | Description | Version |
---|---|---|
3DS Requestor Authentication Indicator | Indicates the type of Authentication request. A value of 02 indicates that this authentication is requested for a recurring transaction. A value of 03 indicates that this authentication is requested for an instalment transaction. | 2.3.1 2.2 |
3DS Requestor Prior DS Transaction ID | This data element is within the 3DS Requestor Prior Transaction Authentication Information object and contains a DS Transaction ID for a prior authenticated transaction (for example, the first recurring transaction that was authenticated with the Cardholder). | 2.3.1 |
3DS Requestor Prior Transaction Reference | This data element is within the 3DS Requestor Prior Transaction Authentication Information object and contains an ACS Transaction ID for a prior authenticated transaction (for example, the first recurring transaction that was authenticated with the Cardholder). | 2.3.1 2.2 |
3RI Indicator | Indicates the type of 3RI request. This data element provides additional information to the ACS to determine the best approach for handling a 3RI request
3RI requests are used when the Merchant decides to authenticate subsequent transactions. | 2.3.1 2.2 |
Instalment Payment Data | Indicates the maximum number of authorisations permitted for instalment payments. | 2.3.1 2.2 |
Purchase Amount | Purchase amount in minor units of currency with all punctuation removed. The purchase amount is the amount payable at the time of purchase, which includes both:
and
| 2.3.1 2.2 |
Purchase Currency | Currency in which the Purchase Amount is expressed. | 2.3.1 2.2 |
Purchase Currency Exponent | Minor units of currency as specified in the ISO 4217 currency exponent. Examples:
| 2.3.1 2.2 |
Purchase Date & Time | Date and time of the authentication converted into UTC. | 2.3.1 2.2 |
Recurring Amount | Recurring amount in minor units of currency with all punctuation removed. Recurring amount is specified if the recurring payment is a fixed amount. In the case of instalment payments, the instalment amount is included in this Recurring Amount field. | 2.3.1 2.2 + Bridging Message Extension |
Recurring Currency | Currency in which the Recurring (or instalment) Amount is expressed. | 2.3.1 2.2 + Bridging Message Extension |
Recurring Currency Exponent | Minor units of currency as specified in the ISO 4217 currency exponent. Examples:
| 2.3.1 2.2 + Bridging Message Extension |
Recurring Date | Effective date of the new authorised amount following the first/promotional payment in a recurring or instalment transaction. Recurring date is specified if the date is fixed. | 2.3.1 2.2 + Bridging Message Extension |
Recurring Expiry | Date after which no further authorisations are performed. This applies to both recurring and instalment payments. Recurring expiry is often not specified for a recurring payment in cases where there is no known expiry date. | 2.3.1 2.2 + Bridging Message Extension 2.2 |
Recurring Frequency | Indicates the minimum number of days between authorisations for a recurring or instalment transaction. | 2.3.1 2.2 + Bridging Message Extension 2.2 |
Recurring Indicator | Indicates whether the recurring or instalment payment has a fixed or variable amount and frequency. The Recurring Indicator object contains:
| 2.3.1 2.2 + Bridging Message Extension 2.2 |
For the initial set-up of a recurring transaction agreement, the Cardholder is present (i.e. the Cardholder is initiating the payment transaction). 3DS Servers should provide the relevant recurring transaction data elements to allow the ACS to determine the appropriate authentication action (i.e., Frictionless Flow or Cardholder challenge). If the transaction is challenged, the recurring transaction data elements are used to determine the information to display to the Cardholder. Upon a successful authentication, a DS Transaction ID and an ACS Transaction ID are provided by the ACS and returned to the 3DS Server in an ARes message (or RReq message, in the case of a Cardholder challenge). The DS Transaction ID and/or ACS Transaction ID should be provided in future authentication requests directly related to the recurring transaction to help the ACS reference the details of the initial authentication.
The Cardholder and the Merchant agree on the set-up of a recurring or instalment transaction.
For subsequent payments in a recurring transaction, 3DS Requestors should use the 3RI Indicator to indicate that this is a recurring transaction (01 = Recurring transaction) or instalment transaction (02 = instalment). Additionally, 3DS Requestors should provide the DS Transaction ID and/or the ACS Transaction ID, which was received in the initial authentication, in the 3DS Requestor Prior Transaction Authentication Information object of the AReq message as it allows the ACS to reference the authentication from the initial set-up.
Note: 3RI payment authentications are supported in EMV 3DS version 2.2 and above.
In a subsequent transaction with the same Merchant:
Last Updated: April 17, 2020
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