Visa Secure

Visa Secure is the authentication service in the Visa card network that uses the 3-D Secure protocol to authenticate customers at checkout. This authentication is a two-step process. First, the cardholder is authenticated by 3-D Secure. Then, the transaction is authorized based on the 3-D Secure evaluation. This section explains how to authorize a card payment based on the 3-D Secure evaluation.

Prerequisite

Before implementing Visa Secure, contact customer support to have your account configured for this feature.

Supported Processors

Elavon Americas
FDC Nashville Global
Fiserv RapidConnect
Chase Paymentech Solutions
Streamline
Worldpay VAP

Processor-Specific Information

Fields Specific to the Visa Secure Use Case

processingInformation.commerceIndicator: set the value to vbv for a successful authentication (3-D Secure value of 05), vbv_attempted if authentication was attempted but did not succeed (3-D Secure value of 06), or vbv_failure if authentication failed (3-D Secure value of 07).
consumerAuthenticationInformation.cavv: required when payer authentication is successful.

Endpoints

POST /pts/v2/payments

Example

{    "clientReferenceInformation": {        "code": "test"    },    "processingInformation": {        "capture": "true",        "authorizationOptions": {            "ignoreAvsResult": "true"        },        "actionList": [            "VALIDATE_CONSUMER_AUTHENTICATION"        ]    },    "paymentInformation": {        "card": {            "expirationYear": "2030",            "number": "4XXXXXXXXXXX25X3",            "securityCode": "123",            "expirationMonth": "12",            "type": "001"        }    },    "orderInformation": {        "amountDetails": {            "totalAmount": "100.00",            "currency": "GBP"        },        "billTo": {            "firstName": "John",            "lastName": "Smith",            "address1": "201 S. Division St._1",            "address2": "Suite 500",            "locality": "Foster City",            "administrativeArea": "CA",            "postalCode": "94404",            "country": "US",            "email": "[email protected]",            "phoneNumber": "6504327113"        }    },    "consumerAuthenticationInformation": {        "authenticationTransactionId": "2b4eAa4K3H778X34Ciy0"    }}

{    "_links": {        "void": {            "method": "POST",            "href": "/pts/v2/payments/7478305945626990404807/voids"        },        "self": {            "method": "GET",            "href": "/pts/v2/payments/7478305945626990404807"        }    },    "clientReferenceInformation": {        "code": "test"    },    "consumerAuthenticationInformation": {        "indicator": "vbv",        "eciRaw": "05",        "authenticationResult": "0",        "strongAuthentication": {            "OutageExemptionIndicator": "0"        },        "authenticationStatusMsg": "Success",        "eci": "05",        "token": "Axj//wSTlWZX08jkcOTHAAIU3YMmzhgzcN2ie/LXsgSgKe/LXsgS50OnEFBWGTSTL0Yua1eAwHScqzK+nkcjhyY4wDi0",        "cavv": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",        "paresStatus": "Y",        "xid": "AAIBBYNoEwAAACcKhAJkdQAAAAA=",        "directoryServerTransactionId": "fa628ed8-ad77-4723-b28f-91952eaca8fe",        "threeDSServerTransactionId": "71399671-8456-4c97-b056-e127622a5e26",        "specificationVersion": "2.2.0",        "acsTransactionId": "5f9fb589-08cc-4952-866d-30939868f411"    },    "id": "7478305945626990404807",    "orderInformation": {        "amountDetails": {            "totalAmount": "100.00",            "authorizedAmount": "100.00",            "currency": "GBP"        }    },    "paymentAccountInformation": {        "card": {            "brandName": "VISA",            "type": "001"        }    },    "paymentInformation": {        "tokenizedCard": {            "type": "001"        },        "card": {            "bin": "400000",            "type": "VISA"        }    },    "pointOfSaleInformation": {        "terminalId": "12345678"    },    "processorInformation": {        "paymentAccountReferenceNumber": "V0010013018036776997406844475",        "merchantNumber": "12345678",        "approvalCode": "100",        "cardVerification": {            "resultCodeRaw": "3",            "resultCode": "2"        },        "merchantAdvice": {            "code": "00",            "codeRaw": "0"        },        "networkTransactionId": "123456789012345",        "transactionId": "123456789012345",        "responseCode": "0",        "avs": {            "code": "U",            "codeRaw": "00"        }    },    "reconciliationId": "7026803874",    "status": "AUTHORIZED",    "submitTimeUtc": "2026-05-21T12:29:54Z"}

Required Fields

These fields are required specifically for the Visa Secure use case, in addition to the standard fields required to authorize a payment.

Field	Description
`clientReferenceInformation.code`	Order reference or tracking number. Provide a unique value for each transaction so that you can perform meaningful searches for the transaction.
`consumerAuthenticationInformation.cavv`	This field is required when payer authentication is successful. Otherwise, this field is optional.
`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`	Set this field to one of these values: `vbv` for successful authentication (`EMV` 3-D Secure value of `05`), `vbv_attempted` when authentication was attempted (EMV 3-D Secure value of `06`), or `vbv_failure` or `internet` when authentication failed or was not attempted (EMV 3-D Secure value of `07`).

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Last published: October 28, 2026