Features Introduced This Week {#rn-features}
============================================

**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.
{#rn-features_ul_e3d_ytm_kjc}
:
**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": "person.person@example.com"
        },
        "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.