3. Initiate Pay

After validating the merchant request, This API is used to process payment requests securely by encrypting card data using AES and RSA encryption.

API Endpoints

Production Endpoint

Direct Pay Production Base URL /InitiatePay

Sandbox Endpoint

Direct Pay Sandbox Base URL /InitiatePay    

Sample Request & Response

The request body should include the following fields:

Sample Request

 "Initiate pay request{
     "ReferenceId" : "xxxxxxxxx",//15-digit reference id received in the validate requet response
     "MerchantId": xxxxxx, //merchant code
     "ECardData" = "encryptedCard", //card data encrypted using AES Encryption 
     "ECardKey" = "encryptedKey", // Encrypt the 32 digit AES key using the public key
     "ACS_CallbackURL"= "call back url for 3DS"+ReferenceId   //optional
     }
     
 };

Sample Response

{
  "errorCode": 0,
  "errorMessgae": "SUCCESS",
  "result": {
    "authentication": {
      "the3Ds1": null,
      "the3Ds2": null,
      "acceptVersions": null,
      "channel": null,
      "purpose": null,
      "redirect": {
        "customized": null,
        "domainName": "ap.gateway.mastercard.com",
        "html": "<div id=\"threedsChallengeRedirect\" xmlns=\"http://www.w3.org/1999/html\" style=\"height: 100vh\"> <form id =\"threedsChallengeRedirectForm\" method=\"POST\" action=\"https://ap.gateway.mastercard.com/acs/mastercard/v2/prompt\" target=\"challengeFrame\"> <input type=\"hidden\" name=\"creq\" value=\"eyJ0aHJlZURTU2VydmVyVHJhbnNJRCI6IjNmN2E4MmVjLTEzZjYtNDg2Ni05ODVjLTlkOTgxZjIzMGQ0OSJ9\" /> </form> <iframe id=\"challengeFrame\" name=\"challengeFrame\" width=\"100%\" height=\"100%\" ></iframe> <script id=\"authenticate-payer-script\"> var e=document.getElementById(\"threedsChallengeRedirectForm\"); if (e) { e.submit(); if (e.parentNode !== null) { e.parentNode.removeChild(e); } } </script> </div>"
      },
      "redirectHtml": null,
      "version": "3DS2",
      "the3Ds": null,
      "method": "OUT_OF_BAND",
      "payerInteraction": null
    }
  }
}

Field Name	Type	Description
ReferenceId	string	15-digit reference id received in the validate requet response
MerchantId	string	Merchant code
ECardData	string	The encrypted card data encrypted using AES encryption with a 32-bit key. Explained below
ECardKey	string	The AES encryption key, encrypted using an RSA public key generated at here
ACS_CallbackURL	string	Explained here

Explanation of the ECardData Encryption Object

The ECardData field in the request is an encrypted representation of the sensitive card details. The following explains the object that is encrypted using AES encryption before being included in the API request:

{
    "CardNumber": "xxxxxxxxxxxxxxxx",//16-digit card number
    "CardName": "John Doe", //Name mentioned on card
    "CardExpiry": "mm/yy", //month/year format
    "CardCVV": "xxx" //3 decimal number
}

ACS_CallbackURL

• If empty, the 3D Secure callback will be handled by the provider, and the user will be redirected to call back url provided in the step 1. For more info about redirection refer here.

• If provided, the 3D Secure callback will be sent to the merchant's specified URL, and the merchant must call the API at here for further processing.

Response Explaination

Upon receiving the response from the InitiatePay API, the merchant must verify the errorCode to determine the next steps. If the errorCode is 0, indicating a successful initiation, the merchant should parse the result object and render the HTML content provided in result.redirect.html to proceed with the 3DS authentication process.