Technical Features

Preconditions

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.

3DS Data Elements Related to Recurring and Instalment Transactions

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.
This data element provides additional information to the ACS to determine the best approach for handling an 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

  • A value of 01 indicates that this authentication is requested for a recurring transaction (PA)
  • A value of 02 indicates that this authentication is requested for an instalment transaction (PA).
  • A value of 05 indicates that this authentication is requested for an account verification with recurring payment data for information (NPA).

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:

  • the amount of the one-time purchase (when there is one)

and

  • the amount of the recurring transaction also payable that day (if there is one). The amount payable at the set-up of a recurring payment can be the recurring amount itself, a promotional amount (i.e. a percentage of the recurring amount) or even zero if no amount is due at the time of purchase.

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:

  • USD = 2
  • JPY = 0

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:

  • USD = 2
  • JPY = 0

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:

  • the Amount Indicator
  • the FrequencyIndicator

2.3.1

2.2 + Bridging Message Extension

2.2