External MPI

Acquired.com support the use of external MPI solutions for partners that are integrated via our Card API solution. This allows you to perform cardholder authentication outside of our environment and pass through the required parameters within your authorisation request.

You just need to include an additional tds object within your authorisation request, which you'll find here.

3-D Secure v1

Parameter Format Length Description
tds object
action string 3-10 To let us know you are using a 3rd party, this field should be set to EXTERNAL.
version string 0-5 For 3-D Secure v1, just leave this field blank or don't send it.
cavv
Required
string 28 The Cardholder Authentication Verification Value, a unique value confirming the customer’s authentication status.
xid
Required
string 28 A unique ID for the 3-D Secure transaction.
eci
Required
string 1-2 The eCommerce indicator allowing us to know the outcome of the authentication.
status string 1 The outcome of the authentication, possible values are:

Y: The cardholder successfully authenticated
A: The cardholder is enrolled and the bank acknowledges the attempted authentication.
N: The cardholder did not authenticate successfully - if you authorise this transaction you will be liable for any chargeback.
U: Cardholder authentication temporarily unavailable - no liability shift available.

If you can provide this information please do, but it is not required.
enrolled string 1 Confirmation if the card was enrolled (Y) or not enrolled (N).
If you can provide this information please do, but it is not required.
"tds":{
    "action": "EXTERNAL",
    “version”: “”,
    "cavv": "AAABBAJGIAAAAAaCN0YgAAAAAAA=",
    "xid": "nqAOlSVpYu0xEYuRoLzFsB9JsN8=",
    “eci”: "06",
    “status”: “Y”,
    "enrolled": "Y"
}

EMV 3-D Secure (v2)

Parameter Format Length Description
tds object
action string 3-10 To let us know you are using a 3rd party, this field should be set to EXTERNAL.
version
Required
string 0-5 Should be set as 2.1.0
cavv
Required
string 28 The Cardholder Authentication Verification Value, a unique value confirming the customer’s authentication status.
ds_trans_id
Required
string 36 A unique ID for the 3-D Secure transaction assigned by the Directory Server.
eci
Required
string 1-2 The eCommerce indicator allowing us to know the outcome of the authentication.
acs_trans_id string 36 A unique ID for the 3-D Secure transaction assigned by the Access Control Server. This is an optional field.

"tds":{
    "action": "EXTERNAL",
    “version”: “2.1.0”,
    "cavv": "AAABBAJGIAAAAAaCN0YgAAAAAAA=",
    "ds_trans_id": "39a6ff48-5b43-4ab6-a7a5-112fb68032e4",
    “eci”: "06"
}