Worldpay

Worldpay 3DS actions API

If 3DS is enabled additional actions are required

Documentation GitHub OpenAPI

Operations 2

POST /api/payments/{linkData}/3dsDeviceData Supply 3DS device data #

POST /api/payments/{linkData}/3dsChallenges Continue with the payment after a 3DS challenge #

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OpenAPI Specification

openapi: 3.2.0
info:
  title: 3DS actions API
  description: "Protect your business and meet regulatory requirements by verifying your customer's identity.\n\n__Authentication header__\n  ```\n    Authorization: {your_credentials}\n  ```\nReplace `{your_credentials}` with your base64-encoded Basic Auth username and password given to your by your Worldpay Implementation Manager.\n<br /> <br />\n\nYou **must** use the `Authorization` header for any request you send to our 3DS API.\n\n__Accept/Content-Type header__\n  ```\n  Content-Type: application/vnd.worldpay.verifications.customers-v3.hal+json\n  Accept: application/vnd.worldpay.verifications.customers-v3.hal+json\n  ```\nWe use the Accept header to identify which version of our API you are using. You must use the Accept header for any request you send to our 3DS API.\n\nWe require the Content-Type header if the request you're sending includes a request body, and if the HTTP method is a `POST` or a `PUT`.\n<br /><br />\n\n\n__DNS whitelisting__  \nWhitelist the following URLs:\n* `https://try.access.worldpay.com/`\n* `https://access.worldpay.com/`\n\nPlease ensure you use DNS whitelisting, not explicit IP whitelisting."
  version: '3'
  x-metadata:
    category:
    - 3DS
    - SCA Exemptions
    business:
    - Enterprise
    catalog-list: true
    generated: false
servers:
- url: https://try.access.worldpay.com
  description: Test (Try)
- url: https://access.worldpay.com
  description: Live
security:
- BasicAuth: []
tags:
- name: 3DS actions
  description: If 3DS is enabled additional actions are required
paths:
  /api/payments/{linkData}/3dsDeviceData:
    post:
      tags:
      - 3DS actions
      summary: Supply 3DS device data
      description: Gather additional device data
      operationId: supply3dsDeviceData
      parameters:
      - name: linkData
        in: path
        required: true
        schema:
          type: string
      - name: WP-Api-Version
        in: header
        description: The API version
        required: true
        schema:
          type: string
          description: The API version
          enum:
          - '2024-06-01'
          example: '2024-06-01'
        example: '2024-06-01'
      requestBody:
        content:
          application/json:
            schema:
              $ref: '#/components/schemas/DeviceDataRequest'
      responses:
        '201':
          description: Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DeviceDataResponse201'
              examples:
                3dsChallenged:
                  $ref: '#/components/examples/3ds-challenged-201'
                authorized:
                  $ref: '#/components/examples/authorized-3ds-frictionless-201'
                refused:
                  $ref: '#/components/examples/refused-201'
                3dsUnavailable:
                  $ref: '#/components/examples/3ds-unavailable-201'
                3dsAuthenticationFailed:
                  $ref: '#/components/examples/3ds-authentication-failed-201'
        '202':
          description: Accepted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/DeviceDataResponse202'
              examples:
                sentForSettlement:
                  $ref: '#/components/examples/sent-for-settlement-3ds-frictionless-202'
                sentForCancellation:
                  $ref: '#/components/examples/sent-for-cancellation-202'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorResponse'
              examples:
                Bad request:
                  $ref: '#/components/examples/400'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Unauthorized:
                  $ref: '#/components/examples/401'
        '406':
          description: Not acceptable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HeaderErrorResponse'
              examples:
                Not acceptable:
                  $ref: '#/components/examples/406'
        '415':
          description: Unsupported media type
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Unsupported media type:
                  $ref: '#/components/examples/415'
        '500':
          description: Internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Internal server error:
                  $ref: '#/components/examples/500'
      x-orderingPosition: '2'
  /api/payments/{linkData}/3dsChallenges:
    post:
      tags:
      - 3DS actions
      summary: Continue with the payment after a 3DS challenge
      description: Verify authentication challenge
      operationId: complete3dsChallenge
      parameters:
      - name: linkData
        in: path
        required: true
        schema:
          type: string
      - name: WP-Api-Version
        in: header
        description: The API version
        required: true
        schema:
          type: string
          description: The API version
          enum:
          - '2024-06-01'
          example: '2024-06-01'
        example: '2024-06-01'
      responses:
        '201':
          description: Created
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChallengeResponse201'
              examples:
                authorized:
                  $ref: '#/components/examples/authorized-3ds-challenged-201'
                refused:
                  $ref: '#/components/examples/refused-201'
                3dsUnavailable:
                  $ref: '#/components/examples/3ds-unavailable-201'
                3dsAuthenticationFailed:
                  $ref: '#/components/examples/3ds-authentication-failed-201'
        '202':
          description: Accepted
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ChallengeResponse202'
              examples:
                sentForSettlement:
                  $ref: '#/components/examples/sent-for-settlement-3ds-challenged-202'
                sentForCancellation:
                  $ref: '#/components/examples/sent-for-cancellation-202'
        '400':
          description: Bad request
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ValidationErrorResponse'
              examples:
                Bad request:
                  $ref: '#/components/examples/400'
        '401':
          description: Unauthorized
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Unauthorized:
                  $ref: '#/components/examples/401'
        '406':
          description: Not acceptable
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/HeaderErrorResponse'
              examples:
                Not acceptable:
                  $ref: '#/components/examples/406'
        '415':
          description: Unsupported media type
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Unsupported media type:
                  $ref: '#/components/examples/415'
        '500':
          description: Internal server error
          content:
            application/json:
              schema:
                $ref: '#/components/schemas/ErrorResponse'
              examples:
                Internal server error:
                  $ref: '#/components/examples/500'
      x-orderingPosition: '3'
components:
  schemas:
    ChallengeResponse202:
      discriminator:
        propertyName: outcome
        mapping:
          sentForSettlement: '#/components/schemas/SentForSettlementResponse'
          sentForCancellation: '#/components/schemas/SentForCancellationResponse'
    DeviceDataResponse202:
      type: object
      discriminator:
        propertyName: outcome
        mapping:
          sentForSettlement: '#/components/schemas/SentForSettlementResponse'
          sentForCancellation: '#/components/schemas/SentForCancellationResponse'
      properties:
        outcome:
          type: string
        transactionReference:
          type: string
          description: ' A unique reference generated by you that is used to identify a payment throughout its lifecycle. '
          maxLength: 64
          minLength: 1
          pattern: ^[-A-Za-z0-9_!@#$%()*=.:;?\[\]{}~`/+]*$
    ValidationErrorResponse:
      type: object
      properties:
        errorName:
          type: string
        message:
          type: string
        jsonPath:
          type: string
        validationErrors:
          type: array
          items:
            $ref: '#/components/schemas/ValidationErrorResponse'
    HeaderErrorResponse:
      type: object
      properties:
        errorName:
          type: string
        message:
          type: string
        headerName:
          type: string
    ChallengeResponse201:
      type: object
      discriminator:
        propertyName: outcome
        mapping:
          authorized: '#/components/schemas/CardAuthorizedPaymentResponse'
          refused: '#/components/schemas/PaymentRefusedResponse'
          3dsAuthenticationFailed: '#/components/schemas/UnsuccessfulAuthenticationResponse'
          3dsUnavailable: '#/components/schemas/PaymentsResponse'
      properties:
        outcome:
          type: string
        transactionReference:
          type: string
          description: ' A unique reference generated by you that is used to identify a payment throughout its lifecycle. '
          maxLength: 64
          minLength: 1
          pattern: ^[-A-Za-z0-9_!@#$%()*=.:;?\[\]{}~`/+]*$
    ErrorResponse:
      type: object
      properties:
        errorName:
          type: string
        message:
          type: string
    DeviceDataResponse201:
      type: object
      discriminator:
        propertyName: outcome
        mapping:
          authorized: '#/components/schemas/CardAuthorizedPaymentResponse'
          refused: '#/components/schemas/PaymentRefusedResponse'
          3dsChallenged: '#/components/schemas/ChallengedResponse'
          3dsAuthenticationFailed: '#/components/schemas/UnsuccessfulAuthenticationResponse'
          3dsUnavailable: '#/components/schemas/UnavailableAuthenticationResponse'
      properties:
        outcome:
          type: string
        transactionReference:
          type: string
          description: ' A unique reference generated by you that is used to identify a payment throughout its lifecycle. '
          maxLength: 64
          minLength: 1
          pattern: ^[-A-Za-z0-9_!@#$%()*=.:;?\[\]{}~`/+]*$
    DeviceDataRequest:
      type: object
      properties:
        collectionReference:
          type: string
          description: Add the `sessionId` provided in the [postMessage for the device data collection form (web)](/products/payments/enable-features/3ds-authentication/web) or for native (iOS/Android), returned as `consumerSessionId` as part of [SDK initialization](/products/payments/enable-features/3ds-authentication/android-ios). <br><br>__Note:__ If device data collection fails you can attempt the payment without this value, but you will see an increased number of `challenged` and even `authenticationFailed` outcomes, if this happens for a lot of requests.
  examples:
    authorized-3ds-challenged-201:
      description: "Example of a authorized response following a successful 3DS challenge, use the action `settlePayment` to complete the transaction\n* includes fraud, token and threeDS objects \n"
      value:
        outcome: authorized
        paymentId: payI-dUcet9fk4_X4qZU0hpU0
        transactionReference: Memory265-13/08/1876
        riskFactors:
        - risk: notChecked
          type: cvc
        - risk: notChecked
          detail: address
          type: avs
        - risk: notChecked
          detail: postcode
          type: avs
        fraud:
          outcome: lowRisk
          score: 44.6
        threeDS:
          outcome: authenticated
          issuerResponse: challenged
          version: 2.2.0
          eci: '05'
          acsTransactionId: 559c8bd8-edfb-417a-9f98-99018596242d
          dsTransactionId: 220403a5-62f8-4df0-9418-abfa092775c9
          status: Y
          challengePreference: noPreference
        token:
          href: https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiRVl3SDBtNnpEVmVTR3UzRUV3VEJEVDExTkxuVDVydXNiREdLR01hUXUwVT0ifQ
          tokenId: '9968110159504301628'
          tokenExpiryDateTime: '2024-04-11T15:59:23Z'
          cardNumber: 4000********1000
          cardHolderName: test
          cardExpiry:
            year: 2035
            month: 5
          bin: '400000'
          fundingType: debit
          schemeReference: '060720116005060'
          conflicts:
            conflictsExpiryDateTime: '2024-07-04T06:40:32.310316518Z'
            paymentInstrument:
              cardHolderName: John Snow
        paymentInstrument:
          type: card/plain+masked
          cardBin: '400000'
          lastFour: '1000'
          countryCode: GB
          expiryDate:
            year: 2035
            month: 5
          cardBrand: mastercard
          fundingType: debit
          category: consumer
          issuerName: BANK LIMITED
          paymentAccountReference: 3001DBT34Q41D6J7PFC5W0UACOT4C
        _links:
          self:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D
        _actions:
          cancelPayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations
            method: POST
          settlePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/settlements
            method: POST
          partiallySettlePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements
            method: POST
          reversePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/reversals
            method: POST
    '401':
      value:
        errorName: accessDenied
        message: Access to the requested resource has been denied.
    3ds-unavailable-201:
      description: 3DS is unavailable when attempting authentication. If `/3dsChallenges` is called without completing the challenge this response may also be returned.
      value:
        transactionReference: 2d287869-0f31-4662-8c98-1abcea5f9247
        outcome: 3dsUnavailable
        authentication:
          eci: '07'
          version: 2.2.0
    '400':
      value:
        errorName: bodyDoesNotMatchSchema
        message: A JSON body matching the expected schema must be provided.
        validationErrors:
        - errorName: fieldIsNotAllowed
          message: Field at path is not allowed.
          jsonPath: $.instruction.paymentInstrument.narrative
    '415':
      value:
        errorName: headerHasInvalidValue
        message: A valid header must be provided.
        headerName: Content-Type
    authorized-3ds-frictionless-201:
      description: "Example of an authorized response following a 3DS authentication without a challenge (frictionless). Use the action `settlePayment` to complete the transaction\n* includes fraud, token and threeDS objects \n"
      value:
        outcome: authorized
        paymentId: payI-dUcet9fk4_X4qZU0hpU0
        transactionReference: Memory265-13/08/1876
        riskFactors:
        - risk: notChecked
          type: cvc
        - risk: notChecked
          detail: address
          type: avs
        - risk: notChecked
          detail: postcode
          type: avs
        fraud:
          outcome: lowRisk
          score: 44.6
        threeDS:
          outcome: authenticated
          issuerResponse: frictionless
          version: 2.2.0
          eci: '02'
          acsTransactionId: 559c8bd8-edfb-417a-9f98-99018596242d
          dsTransactionId: 220403a5-62f8-4df0-9418-abfa092775c9
          status: Y
          challengePreference: noChallengeRequested
        token:
          href: https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiRVl3SDBtNnpEVmVTR3UzRUV3VEJEVDExTkxuVDVydXNiREdLR01hUXUwVT0ifQ
          tokenId: '9968110159504301628'
          tokenExpiryDateTime: '2024-04-11T15:59:23Z'
          cardNumber: 4000********1000
          cardHolderName: test
          cardExpiry:
            year: 2035
            month: 5
          bin: '400000'
          fundingType: debit
          schemeReference: '060720116005060'
          conflicts:
            conflictsExpiryDateTime: '2024-07-04T06:40:32.310316518Z'
            paymentInstrument:
              cardHolderName: John Snow
        paymentInstrument:
          type: card/plain+masked
          cardBin: '400000'
          lastFour: '1000'
          countryCode: GB
          expiryDate:
            year: 2035
            month: 5
          cardBrand: mastercard
          fundingType: debit
          category: consumer
          issuerName: BANK LIMITED
          paymentAccountReference: 3001DBT34Q41D6J7PFC5W0UACOT4C
        _links:
          self:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D
        _actions:
          cancelPayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/cancellations
            method: POST
          settlePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/settlements
            method: POST
          partiallySettlePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements
            method: POST
          reversePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/reversals
            method: POST
    sent-for-cancellation-202:
      value:
        outcome: sentForCancellation
        paymentId: payI-dUcet9fk4_X4qZU0hpU0
        transactionReference: f4806b75-89d1-498a-8634-bfa79afca54f
        schemeReference: '060720116005060'
        issuer:
          authorizationCode: '675725'
        riskFactors:
        - risk: notMatched
          type: cvc
        - risk: notChecked
          detail: address
          type: avs
        - risk: notChecked
          detail: postcode
          type: avs
        fraud:
          outcome: lowRisk
          score: 44
        threeDS:
          outcome: authenticated
          issuerResponse: frictionless
        paymentInstrument:
          type: card/plain+masked
          cardBin: '400000'
          lastFour: '1000'
          countryCode: GB
          expiryDate:
            year: 2035
            month: 5
          cardBrand: mastercard
          fundingType: debit
          category: consumer
          issuerName: BANK LIMITED
          paymentAccountReference: 3001DBT34Q41D6J7PFC5W0UACOT4C
        _links:
          self:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3Am1abCnrwHIBOLZ%3A8ZpsSaLoyDtB%3A8H%2BxSOOOGjEbko3O%3A%3A7gTMASwaw7KY3SuOCoh4KCq84ktTU7AB2kOFpTY0bs7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ3ZOMOj3ix5oo3ctSHv2uo5m6InByzI1XuTONS3N8O%2B1%2BuC8Xk67Ze0uAJk%2BrJN9o7Z%3AVhRHFzbbwymcuTiRbNw%3D
    3ds-challenged-201:
      description: As an additional fraud measure the issuer requests a [3DS challenge](../enable-3ds-authentication/web/#challenge--verification) to be performed
      value:
        outcome: 3dsChallenged
        transactionReference: Memory265-13/08/1876
        authentication:
          version: 2.1.0
        challenge:
          reference: 706hovL8DK1tIGGzQUV1
          url: https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp
          jwt: eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9.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.YEpOuTxnqrXRiHan-givWBd6FfTDJOfNg-h2dF2yA6A
          payload: eyJtZXNzYWdlVHlwZSI6IkNSZXEiLCJtZXNzYWdlVmVyc2lvbiI6IjIuMS4wIiwidGhyZWVEU1NlcnZlclRyYW5zSUQiOiJiNDJlNTZjZi02ZDk2LTQzMzMtOGI2NC1iMmU4NWY0ZTE1ZTkiLCJhY3NUcmFuc0lEIjoiZWVjZWYxMDMtMDMwMS00ZTlkLTk1NjEtNzdiMmY3NTE2NGRhIiwiY2hhbGxlbmdlV2luZG93U2l6ZSI6IjA0In0
        _actions:
          complete3dsChallenge:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoxLCJkIjoiZXlOaXNtU0lzQnVLTm5BQkt1WjEyMVFxeXg2bUZtb2hEcEpFeDdyYXZ3SDE3NFBpUTBsWUpwekptbW9hR3VVSyJ9/3dsChallenges
            method: POST
    refused-201:
      description: 'Example of a refused response.

        '
      value:
        outcome: refused
        paymentId: payI-dUcet9fk4_X4qZU0hpU0
        transactionReference: Memory265-13/08/1876
        refusalDescription: REFUSED
        refusalCode: '5'
        advice:
          code: '01'
        riskFactors:
        - risk: notChecked
          type: cvc
        - risk: notChecked
          detail: address
          type: avs
        - risk: notChecked
          detail: postcode
          type: avs
    sent-for-settlement-3ds-challenged-202:
      description: "Example of a sentForSettlement response following a successful 3DS challenge\n* auto settlement was enabled in the payments request\n* includes fraud, token and threeDS objects \n"
      value:
        outcome: sentForSettlement
        paymentId: payI-dUcet9fk4_X4qZU0hpU0
        transactionReference: Memory265-13/08/1876
        schemeReference: '060720116005060'
        issuer:
          authorizationCode: '675725'
        riskFactors:
        - risk: notChecked
          type: cvc
        - risk: notChecked
          detail: address
          type: avs
        - risk: notChecked
          detail: postcode
          type: avs
        fraud:
          outcome: lowRisk
          score: 44.6
        threeDS:
          outcome: authenticated
          issuerResponse: challenged
          version: 2.2.0
          eci: '05'
          acsTransactionId: 559c8bd8-edfb-417a-9f98-99018596242d
          dsTransactionId: 220403a5-62f8-4df0-9418-abfa092775c9
          status: Y
          challengePreference: noPreference
        token:
          href: https://try.access.worldpay.com/tokens/eyJrIjoxLCJkIjoiRVl3SDBtNnpEVmVTR3UzRUV3VEJEVDExTkxuVDVydXNiREdLR01hUXUwVT0ifQ
          tokenId: '9968110159504301628'
          tokenExpiryDateTime: '2024-04-11T15:59:23Z'
          cardNumber: 4000********1000
          cardHolderName: test
          cardExpiry:
            year: 2035
            month: 5
          bin: '400000'
          fundingType: debit
          schemeReference: '060720116005060'
          conflicts:
            conflictsExpiryDateTime: '2024-07-04T06:40:32.310316518Z'
            paymentInstrument:
              cardHolderName: John Snow
        paymentInstrument:
          type: card/plain+masked
          cardBin: '400000'
          lastFour: '1000'
          countryCode: GB
          expiryDate:
            year: 2035
            month: 5
          cardBrand: mastercard
          fundingType: debit
          category: consumer
          issuerName: BANK LIMITED
          paymentAccountReference: 3001DBT34Q41D6J7PFC5W0UACOT4C
        _links:
          self:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D
        _actions:
          refundPayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D/refunds
            method: POST
          partiallyRefundPayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmUCGmlXGGNqJmZcIdZa%3Aufi8N9Y8uwrkGtx1suHsSFnXn2PMsm%3AcRBXHzZt3giUlFW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ2hKYh1GAhFAwfPvBamw%3AisDwI2AuXQ9KT%3AMt9SY%3AfYERqcZ58SBNT3Gkwn1j%2Bkd7LZ%3AVhRHFzbbwymcuTiRbNw%3D/partialRefunds
            method: POST
          reversePayment:
            href: https://try.access.worldpay.com/api/payments/eyJrIjoiazNhYjYzMiIsImxpbmtWZXJzaW9uIjoiNS4wLjAifQ%3D%3D.sN%3Ag8wd64bwkbrp0md%2BbPxcanBnk2zLdsIqSa1pR99GeDrCwEtsymFb5gQw9WlrStDTK3eIWPy93y%3A7njc4649JSrU7%2BvFDl1J36%2BcwOkX0lW4Z%2BfnZKMutoUGX3m1%3AmZ%2BxHZ9nDpadu%2BBh7pRyJwnWeiSFTlqKvbrBxNm3HV0xann55pFjZ7qi4DNGZtx9zW6eOLVNOsPL6ecsn3Dp377s7pWRQKSZJKSFIJvAisP8cBzFPzqireuqfCu5ojcm60gRSsqS3glurO24RJkg5SrpRjgY6g7ca8uoA7tKDk9OVOIwORF5sGPHSSGMa2bEl2lMUkAANoWclQHiGzxWQQ%3AAwSoo6RsrBugbhEp0K8HxZkfVrqy4oVlW8FdQ7kIuZOH78i6pPLzArc%2BOtMdnU%3ArZ%3AVhRHFzbbwymcuTiRbNw%3D/partialSettlements
            method: POST
    '406':
      value:
        errorName: headerIsMissing
        message: A valid header must be provided.
        headerName: Content-Type
    sent-for-settlement-3ds-frictionless-202:
      description: "Example of a sentForSettlement response following a 3DS authentication without a challenge (frictionless)\n* auto settlement was enabled in the payments request\n* includes fraud,

# --- truncated at 32 KB (37 KB total) ---
# Full source: https://raw.githubusercontent.com/api-evangelist/worldpay/refs/heads/main/openapi/worldpay-3ds-actions-api-openapi.yml