Discover ProtectBuy

ProtectBuy is the authentication service in the Discover/Diner card network that uses the 3-D Secure protocol to authenticate customers at checkout. When you request an authorization using a supported card type and a supported processor, you can include payer authentication data in the request. The payer authentication services enable you to add payer authentication support to your website without running additional software on your server.

Processor-Specific Details

Worldpay VAP

Before implementing payer authentication for ProtectBuy, contact customer support to have your account configured for this feature.

Supported Processors

Chase Paymentech Solutions
Elavon Americas
FDC Nashville Global
Worldpay VAP

Fields Specific to Discover/Diner ProtectBuy

These API fields are required specifically for this use case.

consumerAuthenticationInformation.cavv: required when payer authentication is successful.
processingInformation.commerceIndicator: set this field to one of these values:
- dipb: Successful authentication for a Discover card (3-D Secure value of 05).
- dipb_attempted: Authentication was attempted for a Discover card (3-D Secure value of 06).
- internet: Authentication failed or was not attempted for a Discover card (3-D Secure value of 07).
- pb: Successful authentication for a Diner card (3-D Secure value of 05).
- pb_attempted: Authentication was attempted for a Diner card (3-D Secure value of 06).
- internet: Authentication failed or was not attempted for a Diner card (3-D Secure value of 07).

Endpoints

POST /pts/v2/payments

Example

{  "clientReferenceInformation": {    "code": "TC50171_3"  },  "processingInformation": {    "commerceIndicator": "dipb"  },  "paymentInformation": {    "card": {      "number": "60110000XXXXXXX2",      "expirationMonth": "01",      "expirationYear": "2030"    }  },  "orderInformation": {    "amountDetails": {      "totalAmount": "100",      "currency": "USD"    },    "billTo": {      "firstName": "John",      "lastName": "Smith",      "address1": "201 S. Division St._1",      "address2": "",      "locality": "Foster City",      "administrativeArea": "CA",      "postalCode": "94404",      "country": "US",      "email": "[email protected]",      "phoneNumber": "6504327113"    }  },  "consumerAuthenticationInformation": {    "cavv": "1234567890987654321ABCDEFabcdefABCDEF123",    "xid": "1234567890987654321ABCDEFabcdefABCDEF123"  }}

{  "_links": {    "authReversal": {      "method": "POST",      "href": "/pts/v2/payments/6764027854656733303954/reversals"    },    "self": {      "method": "GET",      "href": "/pts/v2/payments/6764027854656733303954"    },    "capture": {      "method": "POST",      "href": "/pts/v2/payments/6764027854656733303954/captures"    }  },  "clientReferenceInformation": {    "code": "TC50171_3"  },  "id": "6764027854656733303954",  "orderInformation": {    "amountDetails": {      "authorizedAmount": "100.00",      "currency": "USD"    }  },  "paymentAccountInformation": {    "card": {      "type": "004"    }  },  "paymentInformation": {    "tokenizedCard": {      "type": "004"    },    "card": {      "type": "004"    }  },  "pointOfSaleInformation": {    "terminalId": "111111"  },  "processorInformation": {    "approvalCode": "888888",    "networkTransactionId": "123456789619999",    "transactionId": "123456789619999",    "responseCode": "100",    "avs": {      "code": "X",      "codeRaw": "I1"    }  },  "reconciliationId": "60125005GE39VNT8",  "status": "AUTHORIZED",  "submitTimeUtc": "2026-02-14T19:26:25Z"}

Required Fields

Default Required Fields

These API fields are required to process an authorization using Discover ProtectBuy authentication.

Field	Description
`clientReferenceInformation.code`	—
`consumerAuthenticationInformation.cavv`	Required when payer authentication is successful.
`consumerAuthenticationInformation.xid`	—
`orderInformation.amountDetails.currency`	—
`orderInformation.amountDetails.totalAmount`	—
`orderInformation.billTo.address1`	—
`orderInformation.billTo.administrativeArea`	—
`orderInformation.billTo.country`	—
`orderInformation.billTo.email`	—
`orderInformation.billTo.firstName`	—
`orderInformation.billTo.lastName`	—
`orderInformation.billTo.locality`	—
`orderInformation.billTo.postalCode`	—
`paymentInformation.card.expirationMonth`	—
`paymentInformation.card.expirationYear`	—
`paymentInformation.card.number`	—
`paymentInformation.card.type`	—
`processingInformation.commerceIndicator`	See the possible values listed in Fields Specific to Discover/Diner ProtectBuy.

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Last published: October 28, 2026