API - Jun 5, 2024 - Urmia

ValidationUsage parameter on card validation

Platforms can now influence the likelihood of SCA on a card validation request thanks to the new ValidationUsage parameter, which indicates the intended usage of the card. The possible values are:

• CIT – For customer-initiated transactions (CITs), meaning 3DS is less likely to be required on the card validation.
• MIT – For merchant-initiated transactions (MITs), meaning 3DS is more likely to be required on the card validation.

The ValidationUsage can be used along with SecureMode to influence the 3DS outcome.

When the SecureMode value is DEFAULT or NO_CHOICE, platforms can set the ValidationUsage parameter to CIT to decrease the likelihood of SCA.

Note that if the SecureMode value is FORCE, explicitly requesting SCA, then the ValidationUsage is set to MIT even if you send CIT.

For more information, see the updated POST Create a Card Validation endpoint and Card Validation guide.