Card – Frictionless Payments

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.

Cardholder

Payer Node

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{
    "cardholder": {
        "firstName": "Olivia",
        "lastName": "Nyhuus",
        "email": "olivia.nyhuus@swedbankpay.com",
        "msisdn": "+4798765432",
        "homePhoneNumber": "+4787654321",
        "workPhoneNumber": "+4776543210",
        "shippingAddress": {
            "addressee": "Olivia Nyhuus",
            "email": "olivia.nyhuus@swedbankpay.com",
            "msisdn": "+4798765432",
            "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"
            }
        },
}

cardholder object

Cardholder object that can hold information about a payer (private or company). The information added increases the chance for a frictionless 3-D Secure 2 flow.

firstname string

Cardholder's first name.

lastname string

Cardholder's last name.

email string

Cardholder's registered email address.

msisdn string

Cardholder's registered mobile phone number.

homePhoneNumber string

Cardholder's registered home phone number.

workPhoneNumber string

Cardholder's registered work phone number.

shippingAddress object

The shipping address object related to the cardholder.

addressee string

The name of the addressee – the receiver of the shipped goods.

coAddress string

Cardholder's c/o address, if applicable.

streetAddress string

Cardholder's street address. Maximum 50 characters long.

zipCode string

Cardholder's zip code.

city string

Cardholder'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 first name of the payer.

lastName string

The last name of the payer.

streetAddress string

The street address of the payer. Maximum 50 characters long.

coAddress string

The 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"
        }
    }
}

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.