Token payment upgrade to 3DS
Upgrading token payment implementation to comply with 3DS
Token payment is a solution that enables the merchant to charge the payer without the presence of them. It is a powerful tool to conduct subscription-like or payer-not-present scenarios. This scenario requires the merchant to create a token that would act as an identifier for the payer's funding source. To attach that token to a valid funding source the merchant had to do several things:
- Create an alphanumeric token
- Conduct an initial payment in which this token gets registered in the Barion system
- Refer to this token in a subsequent payment attempt
This meant that as far as this token referenced a valid (and still available) funding source the merchant could create payments without any limitations. Basically, this token symbolized the funding source. It was up to the merchant to decide what it is used for, neither Barion nor the card issuer was aware of the nature of the subsequent payments.
This funding source can be either a card or an e-money wallet and this is up to the payer to choose. In case the payer chooses to fund the payment from their e-money wallet there is no further need for extra security. On the other hand when it comes to card payment the authentication process changed with the new Strong Customer Authentication directive and the 3DS v2 protocol.
To make sure that the payer has more control over these token scenarios and the card issuer knows more about the payment scenarios several things need to be changed.
Token payment scenarios
First of all the merchant has to decide what kind of token payment scenario is suitable. These scenarios are the following:
- One-click payment: The payer clicks on the "Purchase" button but the charge happens in the background without the payer leaving the merchant's site.
- Recurring payment: The payer authorizes the merchant (at the initial payment) to charge their card periodically without being present.
- Merchant initiated payment: The payer authorizes the merchant to charge their card without restrictions.
These scenarios have different properties and requirements, this table below summarizes the key differences.
|One-click payment||Yes||Various||Various||Card issuer|
|Recurring payment||No||Various||Fixed||Card issuer|
|Merchant initiated payment||No||Various||Various||Merchant|
To help you decide on a suitable scenario, please use the decision graph below:
Usage of TraceId
3DS authentication requires another identifier. This new identifier is used to differentiate these token payment scenarios and help the issuer control what is non-fraudalent transaction.
So from now on there will be two IDs for every payer-not-present scenario:
RecurrenceIdfor the funding source: this identifies the source of the money (could be card or wallet)
TraceId(new) for the nature of the charge: this identifies the type of token payment scenario the merchant is conducting.
TraceId is generated and stored by the card issuer. The Id is available in the GetPaymentState response once the charge is successfully completed.
TraceId is acquired it must be sent in the Payment/Start request to identify the scenario. This is crutial for the card transactions othherwise the
Prepare for 3DS authentication
The new more secure 3DS v2 authentication must be conducted for every online card payment. These token payment scenarios also need to use these new secure way of authentication. The initial payment must be authenticated every time although the subsequent payments may be exempted in certain cases. This table displays the different scenarios and the 3DS authentication requirements.
|Scenario||Initial payment||Subsequent payments|
|Merchant initiated payment||✔️|
What happens if I don't change my implementation