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jcy avatar image
jcy asked

Use 3-D Secure for e-commerce transactions

Hello,

I hope this message finds you well.

Recently, I want to add 3DS authentication (North America) in the charge process for e-commerce.

I referred to Clover's documentation.

Based on the Clover API response, I can choose CLOVER or NON_CLOVER as the source.

{
    "message": "400 Bad Request",
    "error": {
        "type": "invalid_request_error",
        "code": "invalid_request",
        "message": "Missing or invalid source (CLOVER / NON_CLOVER) for 3DSecure"
    }
}

As I understand:

  • CLOVER: Clover provides an integrated solution to verify 3DS with various issuing banks.
  • NON_CLOVER: Developers need to connect to third-party 3DS APIs, such as Fiserv, or directly integrate with 3DS APIs from Visa or Mastercard.

Is there any misunderstanding in my understanding?

However, when I send the following request with "source": "CLOVER":

{
    "amount": 1000,
    "currency": "usd",
    "ecomind": "ecom",
    "source": "clv_1TSAAAA7hY1y6NUb1LwQTgfB",
    "tax_amount": 100,
    "tip_amount": 100,
    "threeds": {
        "source": "CLOVER"
    }
}

The Clover API returns the following error:

{
    "message": "400 Bad Request",
    "error": {
        "type": "invalid_request_error",
        "code": "invalid_request",
        "message": "Missing or invalid/incomplete browser_info for 3DSecure via source (CLOVER)"
    }
}

It seems something is missing, but the documentation does not provide further explanation. Does this mean Clover does not actually support 3DS authentication?

Additionally, when I use "source": "NON_CLOVER":

{
    "amount": 1000,
    "currency": "usd",
    "ecomind": "ecom",
    "source": "clv_1TAAAA7PPfD3uFrKuXrXUBGS",
    // "external_reference_id": "abcedf123456",
    "tax_amount": 100,
    "tip_amount": 100,
    "threeds": {
        "source": "NON_CLOVER",
        "authentication_result": {
            "authentication_status": "SUCCESS",
            "transaction_id": "CAACCVVUlwCXUyhQNlSXAAAAAAA",
            "cryptogram": "11B5 2345 49C3 C4DD 931A 27BD 8CA3 CD82",
            "threeds_version": "2"
        }
    }
}

The transaction completes successfully.

But how does Clover validate the threeds data I provide?

e-commerce apiecommerce
10 |2000

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