Frictionless Payments
3-D Secure 2 is an improved version of the old protocol, now allowing frictionless payments where transactions can be completed without input from the cardholder. To increase the chances of a frictionless payment, there are certain fields that should be included in your request. The more information you add, the better.
Payer
Payer Node
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{
"payer": {
"email": "olivia.nyhuus@swedbankpay.com",
"msisdn": "+4798765432",
"firstName": "Olivia",
"lastName": "Nyhuus",
"workPhoneNumber" : "+4787654321",
"homePhoneNumber" : "+4776543210",
"shippingAddress": {
"addressee": "Olivia Nyhuus",
"streetAddress": "Saltnestoppen 43",
"coAddress": "",
"city": "Saltnes",
"zipCode": "1642",
"countryCode": "NO"
},
"billingAddress": {
"firstName": "firstname/companyname",
"lastName": "lastname",
"email": "karl.anderssson@mail.se",
"msisdn": "+46759123456",
"streetAddress": "Helgestavägen 9",
"coAddress": "",
"city": "Solna",
"zipCode": "17674",
"countryCode": "SE"
},
"accountInfo": {
"accountAgeIndicator": "04",
"accountChangeIndicator": "04",
"accountPwdChangeIndicator": "01",
"shippingAddressUsageIndicator": "01",
"shippingNameIndicator": "01",
"suspiciousAccountActivity": "01"
}
},
}
Field
Type
payer
object
The payer object.
email
string
Payer's registered email address.
msisdn
string
Payer's registered mobile phone number.
firstname
string
Payer's first name. Please note that this is not the
addressee
or from shippingAddress
, as they might not be the same as the payer.
lastname
string
Payer's last name. Please note that this is not the
addressee
or lastName
from shippingAddress
, as they might not be the same as the payer.
homePhoneNumber
string
Payer's registered home phone number.
workPhoneNumber
string
Payer's registered work phone number.
shippingAddress
object
The shipping address object related to the
payer
.
addressee
string
The name of the addressee – the receiver of the shipped goods.
coAddress
string
Payer's c/o address, if applicable.
streetAddress
string
Payer's street address. Maximum 50 characters long.
zipCode
string
Payer's zip code.
city
string
Payer's city of residence.
countryCode
string
Country Code for the country of residence.
billingAddress
object
The billing address object containing information about the payer's billing address.
firstName
string
The payer's first name.
lastName
string
The payer's last name.
streetAddress
string
The payer's street address. Maximum 50 characters long.
coAddress
string
The payer's CO-address (if used).
zipCode
string
The postal number (ZIP code) of the payer.
city
string
The city of the payer.
countryCode
string
SE
, NO
, or FI
.
accountInfo
object
Object related to the
payer
containing info about the payer's account.
accountAgeIndicator
string
Indicates the age of the payer's account.
01
(No account, guest checkout) 02
(Created during this transaction) 03
(Less than 30 days old) 04
(30 to 60 days old) 05
(More than 60 days old)
accountChangeIndicator
string
Indicates when the last account changes occurred.
01
(Changed during this transaction) 02
(Less than 30 days ago) 03
(30 to 60 days ago) 04
(More than 60 days ago)
accountChangePwdIndicator
string
Indicates when the account's password was last changed.
01
(No changes) 02
(Changed during this transaction) 03
(Less than 30 days ago) 04
(30 to 60 days ago) 05
(More than 60 days old)
shippingAddressUsageIndicator
string
Indicates when the payer's shipping address was last used.
01
(This transaction) 02
(Less than 30 days ago) 03
(30 to 60 days ago) 04
(More than 60 days ago)
shippingNameIndicator
string
Indicates if the account name matches the shipping name.
01
(Account name identical to shipping name) 02
(Account name different from shipping name)
suspiciousAccountActivity
string
Indicates if there have been any suspicious activities linked to this account.
01
(No suspicious activity has been observed) 02
(Suspicious activity has been observed)Risk Indicator
Risk Indicator Node
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{
"riskIndicator": {
"deliveryEmailAddress": "olivia.nyhuus@swedbankpay.com",
"deliveryTimeFrameIndicator": "01",
"preOrderDate": "19801231",
"preOrderPurchaseIndicator": "01",
"shipIndicator": "01",
"giftCardPurchase": false,
"reOrderPurchaseIndicator": "01"
"pickUpAddress" : {
"name": "Company Megashop Sarpsborg",
"streetAddress": "Hundskinnveien 92",
"coAddress": "",
"city": "Sarpsborg",
"zipCode": "1711",
"countryCode": "NO"
}
}
}
Field
Type
riskIndicator
object
This object consist of information that helps verifying the payer. Providing these fields decreases the likelihood of having to prompt for a 3-D Secure authentication of the payer when they are authenticating the purchase.
deliveryEmailAdress
string
For electronic delivery, the email address to which the merchandise was delivered.
deliveryTimeFrameIndicator
string
Indicates the merchandise delivery timeframe.
01
(Electronic Delivery) 02
(Same day shipping) 03
(Overnight shipping) 04
(Two-day or more shipping).
preOrderDate
string
For a pre-ordered purchase. The expected date that the merchandise will be available. Format:
YYYYMMDD
.
preOrderPurchaseIndicator
string
Indicates whether the payer is placing an order for merchandise with a future availability or release date.
01
(Merchandise available) 02
(Future availability).
shipIndicator
string
Indicates shipping method chosen for the transaction.
01
(Ship to cardholder's billing address) 02
(Ship to another verified address on file with merchant)03
(Ship to address that is different than cardholder's billing address)04
(Ship to Store / Pick-up at local store. Store address shall be populated in the riskIndicator.pickUpAddress
and payer.shippingAddress
fields)05
(Digital goods, includes online services, electronic giftcards and redemption codes) 06
(Travel and Event tickets, not shipped) 07
(Other, e.g. gaming, digital service).
giftCardPurchase
bool
true
if this is a purchase of a gift card.
reOrderPurchaseIndicator
string
Indicates if the cardholder is reordering previously purchased merchandise.
01
(First time ordered) 02
(Reordered).
pickUpAddress
object
If the
shipIndicator
is set to 04
, you can prefill these fields with the payer's pickUpAddress
of the purchase to decrease the risk factor of the purchase.
name
string
If the
shipIndicator
is set to 04
, prefill this with the payer's name
.
streetAddress
string
If the
shipIndicator
is set to 04
, prefill this with the payer's streetAddress
. Maximum 50 characters long.
coAddress
string
If the
shipIndicator
is set to 04
, prefill this with the payer's coAddress
.
city
string
If the
shipIndicator
is set to 04
, prefill this with the payer's city
.
zipCode
string
If the
shipIndicator
is set to 04
, prefill this with the payer's zipCode
.
countryCode
string
If the
shipIndicator
is set to 04
, prefill this with the payer's countryCode
.