Soft Decline

When processing online transactions for card payment methods, a 3-D Secure authentication check via SCA is generally mandatory. However, the SCA guideline also grants the possibility to implement the authentication step as a background process (via the so-called frictionless flow), making it imperceptible for your customers.

However, there is always a chance that your customer's bank insists your customers authenticate themselves actively (via the so-called challenge flow), declining the transaction.

Our Soft Decline mechanism is a great way to recover these declined transactions. It allows you to resend the transaction once more to our platform after a first rejection due to a frictionless authentication attempt. Resubmitting the transaction while enforcing the challenge flow in the second request will raise the chance that your transaction is accepted after all.

Payment Flow

Our Soft Decline feature is available for or all our integration methods and blends in seamlessly in the payment flow.

1. You send a standard CreateHostedCheckout/CreatePayment request to our platform, including at least the mandatory 3-D Secure properties while indicating that you want to enforce the frictionless flow. Depending on your integration method, differences apply. Check out the "Integrate" chapter to find examples for each mode.
2. Our platform sends the request to your customer’s issuer. Depending on the issuer’s response, two scenarios are possible:
   a): The issuer accepts the transactions with the frictionless flow. We submit the actual financial transaction to the acquirer to process it. We receive the transaction result, ending the flow.
   b): The issuer insists on challenge flow. The flow continues at 3).
3. Our platform returns a response to you. It includes statusOutput.statusCode=2 and statusOutput.errors.code=40001139, informing you that the issuer insists on the challenge flow.
4. Our platform automatically redirects your customers to their issuer for 3-D Secure authentication.
5. Our system receives the 3-D authentication result from the issuer.
6. We process the transaction and receive the result from the acquirer.
7. We redirect your customer to your returnUrl.
8. You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.

Integration

Add the following properties to a standard CreateHostedCheckout/CreatePayment request (including mandatory 3-D Secure properties):

Depending on the integration method, differences apply. Find an example for all in the "Integration" tab for the respective payment:

American Express
MasterCard
Visa

Testing

Add the following properties to a standard CreateHostedCheckout/CreatePayment request (including mandatory 3-D Secure properties).

Make sure to:

• Set the exact order.amountOfmoney.amount=1602 together with skipAuthentication/exemptionRequest as described above.
• Use card number 4874970686672022 or any other Visa card number from our test cases triggering a challenge flow.
• Choose a currency for order.amountOfmoney.currencyCode  that uses only two decimals. 

{
   "cardPaymentMethodSpecificInput":{
      "threeDSecure":{
         "skipAuthentication":true,
         "exemptionRequest":"low-value"
      }
   },
   "order":{
      "amountOfMoney":{
         "amount":1602,
         "currencyCode":"EUR"
      }
   }
}

{
   "cardPaymentMethodSpecificInput":{
      "card":{
         "cardholderName":"Wile E. Coyote",
         "cardNumber":"4874970686672022",
         "cvv":"123",
         "expiryDate":"0529"
      },
      "paymentProductId":1,
      "returnUrl":"https://yourReturnUrl.com",
      "threeDSecure":{
         "skipAuthentication":true,
         "exemptionRequest":"low-value"
      }
   },
   "order":{
      "amountOfMoney":{
         "amount":1602,
         "currencyCode":"EUR"
      },
      "customer":{
         "device":{
            "acceptHeader":"texthtml,application/xhtml+xml,application/xml;q=0.9,/;q=0.8",
            "browserData":{
               "colorDepth":24,
               "javaEnabled":false,
               "screenHeight":"1200",
               "screenWidth":"1920"
            },
            "ipAddress":"123.123.123.123",
            "locale":"en_GB",
            "userAgent":"Mozilla/5.0 (Macintosh; Intel Mac OS X 10_14_4) AppleWebKit/605.1.15 (KHTML, like Gecko) Version/12.1 Safari/605.1.15",
            "timezoneOffsetUtcMinutes":"420"
         },
         "locale":"en_GB"
      }
   }
}