Online Payments

Frictionless Payments

Authenticating the cardholder. Card

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.