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Non-Payment Authentication
Non-Payment Authentication (NPA) requests enable a merchant to authenticate a customer
without a transaction. A non-payment use case can be used for such tasks as adding a
card to a merchant website, updating cardholder information on file, or to verify a
cardholder's identity when creating a token for future use. The same authentication used
during the checking enrollment process is used for NPA. Non-payment use cases are
enabled using a combination of the
consumerAuthenticationInformation.messageCategory
and consumerAuthenticationInformation.strongAuthentication.authenticationIndicator
values. For
example to add a card to a loyalty program, set the Message Category value to
02
and the Authentication Indicator value to 04
.
For other possible NPA use cases, refer to the other possible values for consumerAuthenticationInformation.messageCategory
. The consumerAuthenticationInformation.messageCategory
value must be set to
02
(non-payment authentication) to specify that the authentication
is not for a transaction.Card-Specific Requirements
Some payment cards require information to be collected during a transaction.
- This field is recommended for Discover ProtectBuy.
- This field is required when the card type is Cartes Bancaires.
- This field is required for American Express SafeKey (U.S.) when the product code isAIRfor an airline purchase.
- This field is required for Visa Secure travel.
- This field is required only for American Express SafeKey (US).
- This field is required only for American Express SafeKey (US.)
- This field is required only for American Express SafeKey (US).
- This field is required only for American Express SafeKey (US).
- This field is required for American Express SafeKey (US).
- This field is required when the card type is Cartes Bancaires, JCB, UnionPay International, or Meeza.
Country-Specific Requirements
These fields are required for transactions in specific countries.
- This field is required for transactions processed in France.
- For Meeza transactions, this value must be set toEGwhen Egypt is not set as the country in the merchant configuration during merchant boarding.
- For Meeza transactions, this value must be set toEGwhen Egypt is not set as the country in the merchant configuration during merchant boarding.
- This field is required for transactions in the US and Canada.
- This field is required for transactions in the US and Canada.
- This field is required when theorderInformation.billTo.countryfield value isUSorCA.
- This field is required when theorderInformation.shipTo.countryfield value isCA,US, orChina.
- This field is required when theorderInformation.shipTo.countryfield value isUSorCA.
Processor-Specific Requirements
These fields are required by specific processors for transactions.
- This field is required only for merchants in Saudi Arabia.
Endpoint
Production:
POST
https://api.visaacceptance.com
/risk/v1/authenticationsTest:
POST
https://apitest.visaacceptance.com
/risk/v1/authentications