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Features Introduced This Week

3-D Secure
 | RM-44940

Description
This release adds support for 3-D Secure data-only transactions for Rede for Visa and Mastercard e-commerce transactions in Brazil. It enables merchants to submit enriched 3-D Secure data in the Cybersource REST API without triggering cardholder authentication or challenge flows. This is an API-only enhancement; there are no changes in the Business Center.
Mandate
Does not apply.
Audience
This release affects Cybersource merchants using Rede in Brazil, for Visa and Mastercard e-commerce transactions.
Benefit
This feature enables merchants to submit authorization requests with additional security-related data and checks in the background, without adding friction to the checkout experience. Because no cardholder challenge is triggered, merchants can provide more issuer-relevant transaction context while keeping the purchase flow unchanged for the customer.
By giving issuers more information during authorization, this enhancement can improve approval rates, reduce false declines, and decrease unnecessary authentication challenges. Liability remains with the merchant.
Technical Details
To implement this feature, merchants submit a standard authorization request with the following 3DS Data Only fields:
Required fields
consumerAuthenticationInformation.cavv
consumerAuthenticationInformation.paSpecificationVersion
consumerAuthenticationInformation.directoryServerTransactionId
processingInformation.commerceIndicator
Optional field
consumerAuthenticationInformation.xid
Additional implementation requirements:
  • Submit the transaction as an e-commerce payment.
  • Submit the transaction in BRL.
  • Process the transaction as Visa or Mastercard through REDE.
  • No challenge is performed, no step-up authentication is expected, and the response follows the standard authorization response structure.
Request Example
{
  "processingInformation": {
    "commerceIndicator": "internet"
  },
  "paymentInformation": {
    "card": {
      "number": "4111111111111111",
      "expirationMonth": "12",
      "expirationYear": "2030",
      "sourceAccountType": "C"
    }
  },
  "consumerAuthenticationInformation": {
    "cavv": "AAABBIIFmAAAAAAAAAAAAAAAAAA=",
    "xid": "MDAwMDAwMDAwMDAwMDAwMzIyNzY=",
    "paSpecificationVersion": "2.2.0",
    "directoryServerTransactionId": "f3eecb72-31b3-4a62-b9af-8e6a8b7a0abc"
  },
  "orderInformation": {
    "amountDetails": {
      "totalAmount": "100.00",
      "currency": "BRL"
    },
    "billTo": {
      "firstName": "First",
      "lastName": "Last",
      "address1": "Av Paulista 123456",
      "locality": "Sao Paulo",
      "administrativeArea": "SP",
      "postalCode": "01310-100",
      "country": "BR",
      "email": "[email protected]"
    },
    "shipTo": {
      "firstName": "First",
      "lastName": "Last",
      "address1": "Av Paulista 123456",
      "locality": "Sao Paulo",
      "administrativeArea": "SP",
      "postalCode": "01310-100",
      "country": "BR"
    }
  }
}
Response Example
{
  "id": "6654706105956431203955",
  "status": "AUTHORIZED",
  "submitTimeUtc": "2026-04-21T14:22:10Z",
  "processorInformation": {
    "approvalCode": "831000",
    "responseCode": "00",
    "transactionId": "123456789012345"
  },
  "networkTransactionId": "987654321234567",
  "reconciliationId": "6654706105956431203955"
}
Important Dates
Released to production April 24, 2026.

Updates for FDC Nashville Global
 | RM-44320

Description
These features are released for FDC Nashville Global:
Account Name Inquiry
: Ensures compliance with network mandates and enhances fraud prevention by validating account holder names during account verification and 0 amount authorization transactions.
Extended Authorizations
: Enables Extended Authorization capabilities, allowing merchants to hold approved authorizations for up to 30 calendar days for eligible Card Not Present transactions and customer-initiated transactions.
AFT Refund
: AFT bitmap 43 Authorization/Credit Authorization changes and AFT Credit Authorization changes, disabling Credit Auth for FDC Nashville Global Visa AFT transactions, and updating bitmap 43 merchant name for all AFT transactions.
Mandate
Does not apply.
Audience
FDC Nashville Global merchants.
Benefit
This release enhances fraud prevention and allows merchants to hold approved authorizations for up to 30 calendar days.
Technical Details
None.
Important Dates
Released to production May 28, 2026.
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