# Token Authentication Framework Passthrough Processing
source: https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-fw-pass-process/index.md

## Token authentication framework overview {#token-authentication-framework-overview}

The Token Authentication Framework (TAF) outlines the mechanisms and data required to comply with Mastercard security principles to provide you with Fraud Liability Protection (FLP) in participating regions. TAF defines a set of rules and minimum Standards to enable third parties to authenticate Mastercard cardholders in your environment.

This authentication must be done using Mastercard-qualified multi-factor authentication (MFA) methods on behalf of issuers.

The framework also includes clear entry and performance criteria for:

* Merchants
* Payment service providers
* Acquirers
* Commerce platforms
* Wallets
* Authentication service providers

## Token authentication service overview {#token-authentication-service-overview}

Token Authentication Service (TAS) is a Mastercard service that helps you authenticate cardholders seamlessly. It uses Mastercard passkeys for online payments with saved card details, such as Click to Pay and Secure Card on File (SCOF). Cardholders can create passkeys with Mastercard and use them to authenticate easily during checkout.

TAS is implemented under the Mastercard TAF. Merchants and commerce platforms using TAS will be able to meet the requirements of TAF without the need to implement and certify their own MFA method compliant with Mastercard Rules and Standards.

In compliance with Fast Identity Online 2 (FIDO2) Standard which is governed by FIDO Alliance, Mastercard has implemented payment passkeys. The certified FIDO components are used for the implementation of the payment passkeys.

You can authenticate tokenized credentials for Click to Pay and SCOF externally and submit a payment with the TAS authentication result to Mastercard Gateway for processing. This model is referred to as TAF passthrough transaction processing.

## TAF Flow overview {#taf-flow-overview}

The following is the TAF flow:

1. To participate in TAF, you can choose to use Mastercard TAS by one of the following options:

* Outsource from an approved third party.
* Become an authenticating entity and operate your own MFA method.

Alert: Third-party authentication is only available for Mastercard cards tokenized with SCOF.

2. Use third-party or Mastercard's SCOF and Click to Pay integrations to authenticate cardholders during online payments.
3. Use your Mastercard Gateway integration to submit a payment transaction request with the TAS authentication result.

## API field mapping {#api-field-mapping}

Send TAF-TAS authentication data to Mastercard Gateway in the [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction), [Authorize](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction), or [Verify](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) transaction request as described in the following sections:

* [Passkey authentication](https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-fw-pass-process/index.md#passkey-authentication)
* [EMV 3-D Secure authentication](https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-fw-pass-process/index.md#3-domain-secure-authentication)
* [API EMV 3-D Secure transaction status field derivation](https://developer.mastercard.com/mastercard-gateway/documentation/security-and-fraud/authentication/token-auth-service/token-auth-fw-pass-process/index.md#ws-api-3ds-transaction-status-field-derivation)

## Passkey authentication {#passkey-authentication}

In case of TAS passkey authentication, you must send the following authentication information.

|    **Data**     |                                                                                            **API fields**                                                                                            | **Mastercard Checkout Solutions (MACS)-Checkout API response field** |
|-----------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|----------------------------------------------------------------------|
| Source of funds | `sourceOfFunds.type` = SCHEME_TOKEN                                                                                                                                                                  | N/A                                                                  |
| ECI indicator   | * `sourceOfFunds.provided.card.devicePayment.eciIndicator` (version 71 onwards) * `sourceOfFunds.provided.card.devicePayment.3DSecure.eciIndicator` (version 54 to version 70)                       | `assuranceData.eci`                                                  |
| Cryptogram      | * `sourceOfFunds.provided.card.devicePayment.onlinePaymentCryptogram` (version 71 onwards) * `sourceOfFunds.provided.card.devicePayment.3DSecure.onlinePaymentCryptogram` (version 54 to version 70) | `encryptedPayload.dynamicData.dynamicDataValue `                     |

Send all other API [Authorize](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) or [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request fields using the API specifications.

## EMV 3-D Secure authentication {#emv-3-d-secure-authentication}

In case of TAS 3-Domain Secure (EMV 3-D Secure) authentication, you must send the following authentication information.

|                **Field**                |                                                                                                                                         **API fields**                                                                                                                                         |         **MACS-Checkout API response field**          |
|-----------------------------------------|------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|-------------------------------------------------------|
| Source of funds                         | `sourceOfFunds.type` = SCHEME_TOKEN                                                                                                                                                                                                                                                            | N/A                                                   |
| ECI indicator                           | `authentication.3ds.acsEci`                                                                                                                                                                                                                                                                    | `assuranceData.eci`                                   |
| Cryptogram                              | `sourceOfFunds.provided.card.devicePayment.onlinePaymentCryptogram` (version 71 onwards) `sourceOfFunds.provided.card.devicePayment.3DSecure.onlinePaymentCryptogram` (version 54 to version 70) This is mandatory when `sourceOfFunds.type` = SCHEME_TOKEN, which is the case for TAF or TAS. | `encryptedPayload.dynamicData.dynamicDataValue`       |
| AAV authentication token                | `authentication.3ds.authenticationToken`                                                                                                                                                                                                                                                       | `assuranceData.threeDsOutputData.authenticationValue` |
| `authentication.3ds2.transactionStatus` | See EMV 3-D Secure Transaction Status field-mapping table to derive and populate the `authentication.3ds2.transactionStatus`. This field is mandatory in case of TAS EMV 3-D Secure authentication.                                                                                            | N/A                                                   |

Send all other API [Authorize](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) or [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request fields as per the API specifications.

## API EMV 3-D Secure transaction status field derivation {#api-emv-3-d-secure-transaction-status-field-derivation}

Refer assurance data received from token authentication response and use it to derive `authentication.3ds2.transactionStatus` API field for the [Authorize](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) or [Pay](https://developer.mastercard.com/mastercard-gateway/documentation/api-reference/v100/rest/api-ops/index.md#transaction) request.

| **assuranceData.verificationData\[\].verificationResults** | **assuranceData.threeDsOutputData.authenticationValue** | **authentication.3ds2.transactionStatus** |
|------------------------------------------------------------|---------------------------------------------------------|-------------------------------------------|
| 01                                                         | Present                                                 | Y                                         |
| 02                                                         | Present                                                 | A                                         |
| 02                                                         | Absent                                                  | R                                         |
| 03                                                         | N/A                                                     | U                                         |

## Example request and response for passkey authentication Authorize and Pay {#example-request-and-response-for-passkey-authentication-authorize-and-pay}

```json
{
  "apiOperation": "PAY",
  "order": {
    "currency": "USD",
    "amount": "5"
  },
  "sourceOfFunds": {
    "type": "SCHEME_TOKEN",
    "provided": {
      "card": {
        "devicePayment": {
          "onlinePaymentCryptogram": "myXxxxx7",
          "eciIndicator": "0x"
        },
        "expiry": {
          "month": "1x",
          "year": "x5"
        },
        "number": "2223001xxxxx4586",
        "storedOnFile": "STORED"
      }
    }
  },
  "customer": {
    "lastName": "Doe",
    "phone": "01 9876xxxx1",
    "mobilePhone": "07 23xxx34",
    "email": "rexxxt@datxxxsh.com",
    "firstName": "John"
  },
  "shipping": {
    "address": {
      "street2": "Level 21",
      "street": "300 Adexxxxe St",
      "company": "Maxxxxxard",
      "stateProvince": "Qld",
      "city": "Brisxxxx",
      "country": "AUS",
      "postcodeZip": "4000"
    },
    "method": "ELECTRONIC",
    "contact": {
      "lastName": "Doe",
      "phone": "0198xxxx321",
      "mobilePhone": "04xxxx54321",
      "email": "txx.mexxxxnt@xxxxxrcard.com",
      "firstName": "Jane"
    }
  },
  "billing": {
    "address": {
      "street2": "300 Adexxxxe Street",
      "company": "Masxxxxard",
      "street": "Level 20",
      "stateProvince": "Quxxxxland",
      "postcodeZip": "4000xxc-E2",
      "country": "AUD",
      "city": "Brxxxxne"
    }
  },
  "device": {
    "ani": "Asf"
  },
  "transaction": {
    "source": "INTERNET"
  }
}
```

```json

        {
            "authorizationResponse": {
                "date": "11x5",
                "posData": "10251040xxx00",
                "posEntryMode": "8x2",
                "processingCode": "00xx00",
                "responseCode": "00",
                "stan": "39xx00",
                "time": "224156"
            },
            "billing": {
                "address": {
                    "city": "Brxxxxe",
                    "company": "MasterCard",
                    "postcodeZip": "4000xxx-E2",
                    "stateProvince": "Quxxxxxand",
                    "street": "Level 20, 300 Adxxxxde Street"
                }
            },
            "customer": {
                "email": "rxxxct@daxxxash.com",
                "firstName": "Jane",
                "lastName": "Doe",
                "mobilePhone": "07 xxxx334",
                "phone": "01 98xxxx321"
            },
            "device": {
                "ani": "Asf"
            },
            "gatewayEntryPoint": "WEB_SERVICES_API",
            "merchant": "AFT_TCC_AUTH",
            "order": {
                "amount": 5.00,
                "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
                "certainty": "FINAL",
                "chargeback": {
                    "amount": 0,
                    "currency": "USD"
        },
        "creationTime": "2024-11-25T22:41:56.604Z",
        "currency": "USD",
        "id": "TAF4ed2d518-c680-xx5b-acba-ab16b2f32000",
        "lastUpdatedTime": "2024-11-25T22:41:56.873Z",
        "merchantAmount": 5.00,
        "merchantCategoryCode": "6538",
        "merchantCurrency": "USD",
        "status": "CAPTURED",
        "totalAuthorizedAmount": 5.00,
        "totalCapturedAmount": 0.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "shipping": {
        "address": {
            "city": "Bxxxxane",
            "company": "MasterCard",
            "country": "AUS",
            "postcodeZip": "4x00",
            "stateProvince": "Qld",
            "street": "300 Axxxxide St, Level 21"
        },
        "contact": {
            "email": "txxx.mxxxxant@xxxxercaxx.com",
            "firstName": "John",
            "lastName": "Doe",
            "mobilePhone": "047xxxx4321",
            "phone": "0198xxxx321"
        },
        "method": "ELECTRONIC"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "deviceSpecificExpiry": {
                    "month": "1x",
                    "year": "x5"
                },
                "deviceSpecificNumber": "222300xxxxxx4586",
                "expiry": {
                    "month": "12",
                    "year": "25"
                },
                "fundingMethod": "UNKNOWN",
                "number": "xxxxxxxxxxxxxxxx",
                "scheme": "MASTERCARD",
                "storedOnFile": "STORED"
            }
        },
        "type": "SCHEME_TOKEN"
    },
    "timeOfLastUpdate": "2024-11-25T22:41:56.873Z",
    "timeOfRecord": "2024-11-25T22:41:56.649Z",
    "transaction": {
        "acquirer": {
            "batch": 2024xx25,
            "date": "1125",
            "id": "CBA_S2I",
            "merchantId": "xx09"
        },
        "amount": 5.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "xx2233",
        "currency": "USD",
        "id": "bb0ef82a-aac8-49aa-a529-d00a17753687",
        "receipt": "433022xxx900",
        "source": "INTERNET",
        "stan": "3xx00",
        "terminal": "CBAxxI01",
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

```json
{
    "apiOperation": "AUTHORIZE",
    "order": {
        "currency": "USD",
        "amount": "5"
    },
    "sourceOfFunds": {
        "type": "SCHEME_TOKEN",
        "provided": {
            "card": {
                "devicePayment": {
                    "onlinePaymentCryptogram": "mxxxxx77",
                    "eciIndicator": "02"
                },
                "expiry": {
                    "month": "1x",
                    "year": "x5"
                },
                "number": "222300xxxxx64586",
                "storedOnFile": "STORED"
            }
        }
    },
    "customer": {
        "lastName": "Doe",
        "phone": "01 987xxxx21",
        "mobilePhone": "07 2xxxx34",
        "email": "xxxect@daxxxxsh.com",
        "firstName": "Jane"
    },
    "shipping": {
        "address": {
            "street2": "Level 21",
            "street": "300 Axxxxide St",
            "company": "MasterCard",
            "stateProvince": "Qld",
            "city": "Brxxxane",
            "country": "AUS",
            "postcodeZip": "4x00"
        },
        "method": "ELECTRONIC",
        "contact": {
            "lastName": "Doe",
            "phone": "xxxxx654321",
            "mobilePhone": "047xxxxx321",
            "email": "test.merchant@mastercard.com",
            "firstName": "John"
        }
    },
    "billing": {
        "address": {
            "street2": "300 Axxxxide Street",
            "company": "MasterCard",
            "street": "Level 20",
            "stateProvince": "Qxxxxsland",
            "postcodeZip": "4000xxx-E2",
            "country": "AUD",
            "city": "Bxxxxane"
        }
    },
    "device": {
        "ani": "Asf"
    },
    "transaction": {
        "source": "INTERNET"
    }
}
```

```json
{
    "authorizationResponse": {
        "date": "1125",
        "posData": "102xxx4006600",
        "posEntryMode": "x12",
        "processingCode": "00xx00",
        "responseCode": "00",
        "stan": "3x900",
        "time": "224156"
    },
    "billing": {
        "address": {
            "city": "Bxxxxane",
            "company": "MasterCard",
            "postcodeZip": "4000Abc-E2",
            "stateProvince": "Queensland",
            "street": "Level 20, 300 Adelaide Street"
        }
    },
    "customer": {
        "email": "rxxxct@datacxxx.com",
        "firstName": "John",
        "lastName": "Doe",
        "mobilePhone": "07 xxxx334",
        "phone": "01 98xxxx321"
    },
    "device": {
        "ani": "Asf"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "AFT_TCC_AUTH",
    "order": {
        "amount": 5.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "certainty": "FINAL",
        "chargeback": {
            "amount": 0,
            "currency": "USD"
        },
        "creationTime": "2024-11-25T22:41:56.604Z",
        "currency": "USD",
        "id": "TAF4ed2d518-c680-4c5b-acba-ab16b2f32000",
        "lastUpdatedTime": "2024-11-25T22:41:56.873Z",
        "merchantAmount": 5.00,
        "merchantCategoryCode": "6538",
        "merchantCurrency": "USD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 5.00,
        "totalCapturedAmount": 0.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "shipping": {
        "address": {
            "city": "Bxxxxane",
            "company": "MasterCard",
            "country": "AUS",
            "postcodeZip": "4x00",
            "stateProvince": "Qld",
            "street": "300 Axxxxxde St, Level 21"
        },
        "contact": {
            "email": "texxxxxxchant@xxxxxcard.com",
            "firstName": "Jane",
            "lastName": "Doe",
            "mobilePhone": "047xxxx4321",
            "phone": "019xxxx4321"
        },
        "method": "ELECTRONIC"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "deviceSpecificExpiry": {
                    "month": "1x",
                    "year": "x5"
                },
                "deviceSpecificNumber": "222300xxxxxx4586",
                "expiry": {
                    "month": "1x",
                    "year": "x5"
                },
                "fundingMethod": "UNKNOWN",
                "number": "xxxxxxxxxxxxxxxx",
                "scheme": "MASTERCARD",
                "storedOnFile": "STORED"
            }
        },
        "type": "SCHEME_TOKEN"
    },
    "timeOfLastUpdate": "2024-11-25T22:41:56.873Z",
    "timeOfRecord": "2024-11-25T22:41:56.649Z",
    "transaction": {
        "acquirer": {
            "batch": 2024xx25,
            "date": "xx25",
            "id": "CBA_xxI",
            "merchantId": "xx09"
        },
        "amount": 5.00,
        "authenticationStatus": "AUTHENTICATION_NOT_IN_EFFECT",
        "authorizationCode": "11xx33",
        "currency": "USD",
        "id": "bb0ef82a-xxx8-49aa-a529-d00a17753687",
        "receipt": "4330xxx39900",
        "source": "INTERNET",
        "stan": "3xx00",
        "terminal": "CBxx2I01",
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```

## Examples of Mastercard Gateway API request and response for EMV 3-D Secure authentication of Authorize and Pay {#examples-of-mastercard-gateway-api-request-and-response-for-emv-3-d-secure-authentication-of-authorize-and-pay}

```json
{
    "apiOperation": "PAY",
    "transaction": {
        "source": "INTERNET"
    },
    "authentication": {
        "3ds": {
            "acsEci": "02",
            "authenticationToken": "mHyn+7YFi1xxxREAAAAvNUe6Hv8=",
            "transactionId": "edcb4ff8-7a5d-4739-bxxd-e96e0d16f1f2"
        },
        "3ds2": {
            "transactionStatus": "Y"
        }
    },
    "order": {
        "amount": "1",
        "currency": "USD"
    },
    "customer": {
        "lastName": "Doe",
        "phone": "01 9xxxx4321",
        "mobilePhone": "07 2xxxx34",
        "email": "rxxxxt@dxxxcash.com",
        "firstName": "John"
    },
    "shipping": {
        "address": {
            "street2": "Level 21",
            "street": "300 Adelaide St",
            "company": "MasterCard",
            "stateProvince": "Qld",
            "city": "Brxxxxne",
            "country": "AUS",
            "postcodeZip": "x000"
        },
        "method": "ELECTRONIC",
        "contact": {
            "lastName": "Doe",
            "phone": "0198xxxx321",
            "mobilePhone": "047xxx54321",
            "email": "texxxxxrchant@mxxxxcard.com",
            "firstName": "Jane"
        }
    },
    "billing": {
        "address": {
            "street2": "300 Adelaide Street",
            "company": "MasterCard",
            "street": "Level 20",
            "stateProvince": "Queensland",
            "postcodeZip": "4000xxx-E2",
            "country": "AUD",
            "city": "Bxxxxane"
        }
    },
    "device": {
        "ani": "Asf"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "devicePayment": {
                    "onlinePaymentCryptogram": "myxxxxx7"
                },
                "expiry": {
                    "month": "0x",
                    "year": "x9"
                },
                "number": "51203xxxx0064594"
            }
        },
        "type": "SCHEME_TOKEN"
    }
}
```

```json
{
    "authentication": {
        "3ds": {
            "acsEci": "0x",
            "authenticationToken": "mHyn+7xxx1EUAREAAAAvNUe6Hv8=",
            "transactionId": "edcb4ff8-7xxx-4739-bf0d-e96e0d16f1f2"
        },
        "3ds2": {
            "authenticationScheme": "MASTERCARD",
            "dsTransactionId": "edcb4ff8-7xxx-4739-bf0d-e96e0d16f1f2",
            "transactionStatus": "Y"
        },
        "amount": 1.00,
        "version": "3DS2"
    },
    "authorizationResponse": {
        "avsCode": "X",
        "commercialCardIndicator": "3",
        "date": "1125",
        "financialNetworkCode": "MCS",
        "financialNetworkDate": "2024-11-25",
        "posData": "102510xxx6600",
        "posEntryMode": "81x",
        "processingCode": "000000",
        "responseCode": "00",
        "stan": "12xx71",
        "time": "224728",
        "transactionIdentifier": "5Wxx71"
    },
    "billing": {
        "address": {
            "city": "Brisbane",
            "company": "MasterCard",
            "postcodeZip": "4000xxx-E2",
            "stateProvince": "Queensland",
            "street": "Level 20, 300 Axxxxide Street"
        }
    },
    "customer": {
        "email": "rexxxx@datxxxsh.com",
        "firstName": "John",
        "lastName": "Doe",
        "mobilePhone": "07 2xxx334",
        "phone": "01 98xxxx321"
    },
    "device": {
        "ani": "Asf"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "DOGFOOD_NW10",
    "order": {
        "amount": 1.00,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "certainty": "FINAL",
        "chargeback": {
            "amount": 0,
            "currency": "USD"
        },
        "creationTime": "2024-11-25T22:47:28.265Z",
        "currency": "USD",
        "id": "TAFaaae9312-6338-4xxx-bcef-ab2582756fbc",
        "lastUpdatedTime": "2024-11-25T22:47:28.952Z",
        "merchantAmount": 1.00,
        "merchantCategoryCode": "1567",
        "merchantCurrency": "USD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 1.00,
        "totalCapturedAmount": 0.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "cardholderVerification": {
            "avs": {
                "acquirerCode": "X",
                "gatewayCode": "ADDRESS_ZIP_MATCH"
            }
        },
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "shipping": {
        "address": {
            "city": "Brxxxane",
            "company": "MasterCard",
            "country": "AUS",
            "postcodeZip": "x000",
            "stateProvince": "Qld",
            "street": "300 Axxxxide St, Level 21"
        },
        "contact": {
            "email": "texxxxxxchant@xxxxxrcard.com",
            "firstName": "Jane",
            "lastName": "Doe",
            "mobilePhone": "0xxxx654321",
            "phone": "01987xxxx21"
        },
        "method": "ELECTRONIC"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "deviceSpecificExpiry": {
                    "month": "2",
                    "year": "3x"
                },
                "deviceSpecificNumber": "512035xxxxxx4594",
                "expiry": {
                    "month": "2",
                    "year": "3x"
                },
                "fundingMethod": "UNKNOWN",
                "number": "xxxxxxxxxxxxxxxx",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "SCHEME_TOKEN"
    },
    "timeOfLastUpdate": "2024-11-25T22:47:28.952Z",
    "timeOfRecord": "2024-11-25T22:47:28.282Z",
    "transaction": {
        "acquirer": {
            "batch": 2024xx26,
            "date": "1126",
            "id": "BxxOPS_S2I",
            "merchantId": "axx34",
            "transactionId": "5W6xx1"
        },
        "amount": 1.00,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "authorizationCode": "3xx850",
        "currency": "USD",
        "id": "deee1db6-6141-4104-xxxa-2966898aeaa4",
        "receipt": "433xx2125671",
        "source": "INTERNET",
        "stan": "12xx71",
        "terminal": "456x",
        "type": "PAY"
    },
    "version": "100"
}
```

```json
{
    "apiOperation": "AUTHORIZE",
    "transaction": {
        "source": "INTERNET"
    },
    "authentication": {
        "3ds": {
            "acsEci": "02",
            "authenticationToken": "mHynxxxxi1EUAREAAAAvNUe6Hv8=",
            "transactionId": "edcb4ff8-xxxd-4739-bf0d-e96e0d16f1f2"
        },
        "3ds2": {
            "transactionStatus": "Y"
        }
    },
    "order": {
        "amount": "1",
        "currency": "USD"
    },
    "customer": {
        "lastName": "Doe",
        "phone": "01 987xxx321",
        "mobilePhone": "07 23xxxx4",
        "email": "rexxxt@dxxxxash.com",
        "firstName": "John"
    },
    "shipping": {
        "address": {
            "street2": "Level 21",
            "street": "300 Axxxxide St",
            "company": "MasterCard",
            "stateProvince": "Qld",
            "city": "Brxxxane",
            "country": "AUS",
            "postcodeZip": "x000"
        },
        "method": "ELECTRONIC",
        "contact": {
            "lastName": "Doe",
            "phone": "0198xxxx321",
            "mobilePhone": "04xxxx54321",
            "email": "tesxxxxxxhant@mxxxxxcard.com",
            "firstName": "Jane"
        }
    },
    "billing": {
        "address": {
            "street2": "300 Axxxxide Street",
            "company": "MasterCard",
            "street": "Level 20",
            "stateProvince": "Qxxxxxland",
            "postcodeZip": "4000xxx-E2",
            "country": "AUD",
            "city": "Brxxxane"
        }
    },
    "device": {
        "ani": "Asf"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "devicePayment": {
                    "onlinePaymentCryptogram": "mxxxxx77"
                },
                "expiry": {
                    "month": "0x",
                    "year": "x9"
                },
                "number": "51203xxxxx064594"
            }
        },
        "type": "SCHEME_TOKEN"
    }
}
```

```json
{
    "authentication": {
        "3ds": {
            "acsEci": "02",
            "authenticationToken": "mHyn+7YFi1ExxxAAAAvNUe6Hv8=",
            "transactionId": "edcb4ff8-7a5d-4739-bxxd-e96e0d16f1f2"
        },
        "3ds2": {
            "authenticationScheme": "MASTERCARD",
            "dsTransactionId": "edcb4ff8-7xxd-4739-bf0d-e96e0d16f1f2",
            "transactionStatus": "Y"
        },
        "amount": 1.00,
        "version": "3DS2"
    },
    "authorizationResponse": {
        "avsCode": "X",
        "commercialCardIndicator": "3",
        "date": "1125",
        "financialNetworkCode": "Mxx",
        "financialNetworkDate": "2024-11-25",
        "posData": "10251xxxx6600",
        "posEntryMode": "812",
        "processingCode": "000000",
        "responseCode": "00",
        "stan": "125xx1",
        "time": "22xx28",
        "transactionIdentifier": "5Wxx71"
    },
    "billing": {
        "address": {
            "city": "Brixxxne",
            "company": "MasterCard",
            "postcodeZip": "4000xxx-E2",
            "stateProvince": "Quxxxxxland",
            "street": "Level 20, 300 Axxxxide Street"
        }
    },
    "customer": {
        "email": "rxxxxt@xxxxcash.com",
        "firstName": "John",
        "lastName": "Doe",
        "mobilePhone": "07 xxxx334",
        "phone": "01 9xxxxx321"
    },
    "device": {
        "ani": "Asf"
    },
    "gatewayEntryPoint": "WEB_SERVICES_API",
    "merchant": "DOGFxxx_NW10",
    "order": {
        "amount": 1.00,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "certainty": "FINAL",
        "chargeback": {
            "amount": 0,
            "currency": "USD"
        },
        "creationTime": "2024-11-25T22:47:28.265Z",
        "currency": "USD",
        "id": "TAFaaae9312-6338-4xxx-bcef-ab2582756fbc",
        "lastUpdatedTime": "2024-11-25T22:47:28.952Z",
        "merchantAmount": 1.00,
        "merchantCategoryCode": "15xx",
        "merchantCurrency": "USD",
        "status": "AUTHORIZED",
        "totalAuthorizedAmount": 1.00,
        "totalCapturedAmount": 0.00,
        "totalDisbursedAmount": 0.00,
        "totalRefundedAmount": 0.00
    },
    "response": {
        "acquirerCode": "00",
        "acquirerMessage": "Approved",
        "cardholderVerification": {
            "avs": {
                "acquirerCode": "X",
                "gatewayCode": "ADDRESS_ZIP_MATCH"
            }
        },
        "gatewayCode": "APPROVED",
        "gatewayRecommendation": "NO_ACTION"
    },
    "result": "SUCCESS",
    "shipping": {
        "address": {
            "city": "Brxxxxne",
            "company": "MasterCard",
            "country": "AUS",
            "postcodeZip": "x000",
            "stateProvince": "Qld",
            "street": "300 Adxxxxde St, Level 21"
        },
        "contact": {
            "email": "texxxxxrchant@xxxxxxxcard.com",
            "firstName": "Jane",
            "lastName": "Doe",
            "mobilePhone": "047xxxx4321",
            "phone": "01xxxxx4321"
        },
        "method": "ELECTRONIC"
    },
    "sourceOfFunds": {
        "provided": {
            "card": {
                "brand": "MASTERCARD",
                "deviceSpecificExpiry": {
                    "month": "2",
                    "year": "x9"
                },
                "deviceSpecificNumber": "512035xxxxxx4594",
                "expiry": {
                    "month": "2",
                    "year": "x9"
                },
                "fundingMethod": "UNKNOWN",
                "number": "xxxxxxxxxxxxxxxx",
                "scheme": "MASTERCARD",
                "storedOnFile": "NOT_STORED"
            }
        },
        "type": "SCHEME_TOKEN"
    },
    "timeOfLastUpdate": "2024-11-25T22:47:28.952Z",
    "timeOfRecord": "2024-11-25T22:47:28.282Z",
    "transaction": {
        "acquirer": {
            "batch": 2024xx26,
            "date": "1126",
            "id": "BIZxxx_S2I",
            "merchantId": "axx34",
            "transactionId": "5Wxx71"
        },
        "amount": 1.00,
        "authenticationStatus": "AUTHENTICATION_SUCCESSFUL",
        "authorizationCode": "3xx850",
        "currency": "USD",
        "id": "deee1db6-6141-xxxx-8c2a-2966898aeaa4",
        "receipt": "433xx2125671",
        "source": "INTERNET",
        "stan": "12xx71",
        "terminal": "456x",
        "type": "AUTHORIZATION"
    },
    "version": "100"
}
```