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3DS2 challenge window flashes without asking any password and payment method got created

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3DS2 challenge window flashes without asking any password and payment method got created

Question:

When testing 3DS2 integration with CyberSource and noticed that the challenge window flashed and disappeared, no chance to input password but the payment method got successfully created. Why is that?

 

Answer:

 The blank flash challenge window is expected behavior for the below case:

payerAuthEnrollReply_authenticationPath

  • RIBA_PASS
    The card-issuing bank supports risk-based authentication, and it is likely that the cardholder will not be challenged to provide credentials; also known as silent authentication.

This has been explained in Cybersource's below document on Page 220:
http://apps.cybersource.com/library/documentation/dev_guides/Payer_Authentication_SCMP_API/Payer_Aut...






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