Three-D Secure processing

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Created Dec ’15

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Hi,

For Apple Pay in-app I see that the Three-D secure token contains the paRes/CAVV one-time token for payment processing. Processors that support Three-D secure, require paReq as well. Is there a way for for developers to get this value to send to processors? This gives us standardized processing across site and app.

If not, and we can only use processors like Braintree, etc, can we use multiple merchant certificates and when we give merchantIdentifier for PKPaymentRequest supply which cert to encrypt the data for? This seems messy because we have to integrate explicity with each payment processor.

Please advise.

Thanks,

Jay

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Answer 1

OP

Apple

Dec ’15

Are you asking if you can pull the account number and cvv out of payment token and process it in the same way as other online transactions? If so, the answer is no. You need to work with a processor that supports 3DS. Check the list of processors, here:

https://developer.apple.com/apple-pay/

And more documentation here:

https://developer.apple.com/library/ios/documentation/PassKit/Reference/PaymentTokenJSON/PaymentTokenJSON.html#//apple_ref/doc/uid/TP40014929

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