DAF: Digital Authentication Framework

Visa Digital Authentication Framework (DAF) is a message extension of the EMV® 3D-Secure protocol that allows Visa to identify cardholders who have completed the challenge authentication flow at a specific merchant-acquirer, thereby granting them a trusted status by determining them as an authenticated credential payment. This enables subsequent transactions performed by the cardholder at the same merchant to be authenticated immediately. The main goal is to reduce fraud and friction.

Session with Digital Authentication Framework

Required fields:

• billAddrCity: City of the cardholder's billing address.

• billAddrCountry: Country of the cardholder's billing address.

• billAddrLine1: Cardholder's billing address.

• billAddrPostCode: Postal code of the cardholder's billing address.

• billAddrState: State/department of the cardholder's billing address.

• email: Cardholder's email address.

• mobilePhone: Cardholder's mobile phone number.

Example

{
  "acctNumber": "4009000000502",
  "cardExpiryDate": "2902",
  "purchaseAmount": "10",
  "redirectURI": "https://www.placetopay.com/web",
  "purchaseCurrency": "USD",
  "reference": "AUTH_001",
  "billAddrCity": "Medellín",
  "billAddrCountry": "COL",
  "billAddrLine1": "Carrera 65 # 45 - 20",
  "billAddrPostCode": "050004",
  "billAddrState": "ANT",
  "email": "[email protected]",
  "mobilePhone": {
      "cc": "57",
      "subscriber": "3111111111"
  }
}

Improve authentication rates with additional data

We invite you to visit the Additional Data section in our API documentation. This section provides crucial information to optimize the 3DS authentication process.

Including this additional data in your requests allows issuers to perform a more accurate assessment, which can significantly improve the rate of successful authentications.

We recommend reviewing these guidelines to make the most of the API's features and thus offer your users a safer and more efficient experience.