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PSD2 European Compliance

Understand the impact of new EEA card payment regulation on your business

Table of Contents
Overview
Compliance Requirements
Overview of EPS Rapid Solution
Integration Component Details
Booking Flow
EPS Rapid and Two-Factor Authentication Integration Guide
3DS Connector JavaScript Library and 3DS iframe
Register Payment Sessions
3DS Connector JavaScript Library Documentation
Testing with EPS Rapid and Two-Factor Authentication
Two-Factor Authentication and Property Collect

Overview

The new Payment Services Directive 2 is an EEA regulation which will require changes to the checkout and booking process for all transactions involving a credit card issued by an EEA state.

The aim of this regulation is to help reduce online fraud and protect travelers. It will come into effect in September 2019 and all EPS partners can be affected by it if they handle the affected payment types. If affected payments are not compliant by that date, they may fail as EEA banks will reject these transactions. Banks will reject payments regardless of whether the partner is based in the EEA or not.

This page explains how supported EPS payment types will be impacted and what actions partners can take to be compliant when serving their travelers. If you would like to learn about the directive in more details, please review the legislation on the Official European Commission site.

Compliance Requirements

The steps to enable compliant transactions in the EEA will vary depending on who is the merchant of record and how payments are made to EPS.

Partner is Merchant of Record

Expedia Affiliate Collect

Bookings that use EAC are unaffected by the PSD2 regulations – no payment process or API integration changes with EPS are needed to reach compliance. However, you may be impacted by the regulations if you are the merchant of record and charge traveler’s credit card, debit card, or other form of payment within the scope of the EU regulations. The regulations likely require you to support a PSD2-compliant version of Two-Factor Authentication in the payment process. Please reach out to your payment processor to learn more about their capabilities to help merchants reach PSD2-compliance and avoid failed transactions in September 2019.

Partner Cards

If your company is the merchant of record and pays EPS with an EEA-issued credit or debit card owned by your company, you may be impacted by the regulations. The set of PSD2-compliant cards is:

Single-use virtual cards, issued in the EEA.
Corporate cards issued to your company (not issued to a person), issued in the EEA.
Any card issued outside the EEA.

You may also be impacted by the regulations if you charge your travelers’ credit card, debit card, or other form of payment within the scope of the EEA regulations. The regulations likely require you to support a PSD2-compliant version of Two-Factor Authentication in the payment process. Please reach out to your payment processor to learn more about their capabilities to help merchants reach PSD2-compliance and avoid failed transactions in September 2019.

If the above PSD2-compliant partner cards are not preferable, your organization can request an exemption directly from the bank that has issued your partner card. If an exemption is granted, transactions on that card will not require authentication except for a possible one-time online verification using two-factor authentication (2FA). This one-time requirement can vary per bank. Please note that, obtaining an exemption can be lengthy process and it will also mean that your bank may hold you liable for fraudulent payments.

EPS is the Merchant of Record

If your company uses EPS as the merchant or record by sending travelers cards to EPS, you may be impacted by the regulations. When travelers book online, without a retail agent, the regulations require that EPS let travelers verify whether they initiated the payment. The PSD2-compliant process for this requirement is Two-Factor Authentication (2FA) during the payment process. Partners that want to use EPS as the merchant of record with any EEA-issued credit or debit card, will need to adopt our EPS Rapid solution for 2FA available in EPS Rapid v2.2.

However, transactions that are booked with through a retail agent or call-center agent are exempt from the 2FA requirement. Compliance for these transactions only requires an explicit indication that that booking was made with the assistance of an agent. Use the Availability API’s sales_channel field for this indication.

Property is the Merchant of Record (Property Collect)

If your company uses Property Collect, you may be impacted by the regulations. There are circumstances where a property may try to charge a traveler's card without the traveler present (e.g. “no show” fees or deposits). These charges are not compliant without Two-Factor Authentication (2FA) being performed prior to the charge. Partners that want to use Property Collect for travelers using an EEA-issued credit or debit card, will need to adopt our EPS Rapid solution for 2FA available in EPS Rapid v2.2.

Overview of EPS Rapid Solution

How does it work?

Partners that use EPS Merchant of Record or Property Collect with traveler cards can adopt EPS’s API solution to generate bookings that are compliant with the regulations. The APIs support PSD2 compliance by supporting Two-Factor Authentication with 3DS 2.0 in the booking flow. With 3DS 2.0, we support risk-based authentication, which reduces friction with travelers by granting the banks discretion about when to challenge travelers with 2FA and when to not.

The solution for 2FA is comprised of three distinct components:

An iframe that partners add to the checkout page. It’s used to host an issuing bank’s 2FA experience for the traveler. In the integration documentation, it’s referred to as the 3DS iframe.
A new client-side JavaScript library that resides on the checkout page. It’s used to collect browser data, communicate with the iframe, and display the 2FA experience within the iframe. In the integration documentation, it’s referred to as the 3DS Connector Library.
EPS Rapid accepts payer information for the bank and completes the booking after 2FA.

When using the JavaScript and the EPS Rapid together, the booking flow with 2FA will now include a few additional steps before and after the Book API is called. Below is a diagram that depicts this updated booking flow.

During each step of the revised Booking flow, the output of one step contains data that is used as input into the next step. Data will need to be passed between the JavaScript (on the browser) and EPS Rapid.

Note: The diagram above is a simplification of the actual API flow meant for introductory purposes. Reference the integration document to learn more about the complete API flow.

Integration Component Details

Browser iFrame

The iframe, placed in the checkout experience, hosts a URL owned by the traveler's card-issuing bank. This URL will display the 2FA experience to the user and transfer any traveler-supplied information directly to their bank. The iframe should be hidden initially, with the ability to overlay it on top of the page when a 2FA challenge is required after a booking attempt.

Browser JavaScript Library (new)

This library is added to the checkout page and is invoked at the time of booking to support the 2FA process. The library’s APIs support the capabilities described below.

Automatic Collection of Traveler’s Device-Information

Before a booking attempt, information about the traveler’s device must be collected to prepare a booking for 2FA. It is later sent to the traveler’s issuing-bank for review so the bank can assess risk, decide if 2FA is required for the transaction, and ensure that it’s displayed correctly. In accordance with the 3DS 2.x specifications, following data will be collected from the traveler’s browser: language, color depth, screen height, screen width, time zone, user agent, and whether Java is enabled.

Display the 2FA experience in the Browser iframe

After a booking attempt, the library is used to display iframe overlay and load the bank’s content into the iframe. During the 2FA process, the bank’s content may collect additional information about the traveler’s device to support their risk assessment. This process is needed to complete a booking.

EPS Rapid

EPS Rapid v2.2 and higher includes new APIs that work in conjunction with the client-side JavaScript library. The APIs now support the capabilities described below.

Registration of Traveler and Payment Details

Before a booking attempt, additional information about the traveler must be collected to prepare a booking for 2FA. This data includes details of the traveler’s account with the point of sale and the traveler’s payment. This data is later sent to the traveler’s issuing-bank for review so the bank can assess risk and decide if 2FA is required for the transaction. Learn more by reviewing Register Payment API in EPS Rapid v2.2+.

Completion of a Payment and Confirmation of Booking

After a booking attempt with EPS Rapid and the 2FA process is completed on the browser, EPS Rapid must be invoked once more. Behind the scenes, we’ll confirm that the 2FA was actually successful, so the booking can be confirmed. Learn more by reviewing the Complete Payments Session in EPS Rapid v2.2+.

Booking Flow

Overview

If 2FA is enabled in a Partner Profile EPS Support, the Price Check API will return a link to the Register Payments API instead of the Create Booking API. Below is a diagram of the API call sequence that will be required after a booking is initiated by a traveler. The sequence involves both calls to the Javascript Library and EPS Rapid.

When a booking is prepared for 2FA, it may not always be required. The need for 2FA is determined by the issuing bank of the CC used for payment. This determination occurs during the transaction and is indicated in the in the Create Booking API response.

Below is a diagram of the API call sequence that be required when using Hold and Resume.

For further information on the technical requirements for the 2FA experience, review the EMVCo’s “3-D Secure Protocol and Core Functions Specification”

EPS Rapid and Two-Factor Authentication Integration Guide

Overview

Note: Documentation is available as a preview of the upcoming solution which will be made available for adotion ahead of September.

Supporting Two-Factor Authentication (2FA) will require integration with a new JavaScript library, referred to as the 3DS Connector, and EPS Rapid. The two are used in conjunction to present 2FA on the checkout page and confirm a booking. This solution supports both “Expedia Collect” and “Property Collect” business models.

The sequence of API calls needed to support a booking with 2FA are outlined below and detailed the following sections.

JavaScript Setup method
EPS Rapid Register Payment API
JavaScript Initialize Session method
EPS Rapid Book API
JavaScript Challenge method
EPS Rapid Complete Payment API
EPS Rapid Resume API (optional)

To allow this sequence, it must be enabled for individual Partner Profiles by EPS Partner Support.

EPS Rapid

If Two-Factor Authentication (2FA) is enabled for a Partner Profile, API responses will differ to allow a revised booking flow with 2FA.

Availibility API

The value of the sales_channel field in the API request must be accurate to obtain an exemption from 2FA when it’s permissible by the regulations. The value, along with many others, is reviewed by the card’s issuing bank to make this decision during the time of booking. Only agent tools are exempt from 2FA. To specify this, set the value of sales_channel to agent_tool.

Price Check API

The API response will include a link to the Register Payments API instead of the Create Booking API.

Example Response when 2FA is enabled:

{
  "status": "matched",
  "occupancies": {
    ...(example omitted for length)
  },
  "links": {
    "payment_session": {
      "method": "POST",
      "href": "/2.2/payment-sessions?token=QldfCGlcUAVgBDRwdWXBBL"
    }
  }
}

Register Payments API

This will be the second step in the JavaScript-Rapid PSD2 booking flow and occurs after the JavaScript setup method.

The request will includes payment details that are part of the non-PSD2 booking flow and new fields that support a successful 2FA. Two of these fieldsencoded_browser_metadata and version, are returned from the JavaScript API’s setup method.

The response will include a payment_session_id and encoded_init_config. These are specified as inputs into the initSession method of the JavaScript library. The book link included in the response should be used after the initSession method.

Example Request:

{
  "version": "1",
  "browser_accept_header": "*/*",
  "encoded_browser_metadata": "ZW5jb2RlZF9icm93c2VyX21ldGFkYXRh",
  "preferred_challenge_window_size": "medium",
  "merchant_url": "https://server.adomainname.net",
  "customer_account_details": {
    "authentication_method": "guest",
    "authentication_timestamp": "2018-02-12T11:59:00.000Z",
    "create_date": "2018-09-15",
    "change_date": "2018-09-17",
    "password_change_date": "2018-09-17",
    "add_card_attempts": 1,
    "account_purchases": 1
  },
  "payments": [
    {
      "type": "customer_card",
      "card_type": "VI",
      "number": "4111111111111111",
      "security_code": "123",
      "expiration_month": "08",
      "expiration_year": "2025",
      "billing_contact": {
        "given_name": "John",
        "family_name": "Smith",
        "email": "smith@example.com",
        "phone": "4875550077",
          "address": {
            "line_1": "555 1st St",
            "line_2": "10th Floor",
            "line_3": "Unit 12",
            "city": "Seattle",
            "state_province_code": "WA",
            "postal_code": "98121",
            "country_code": "US"
        }
      },
      "enrollment_date": "2018-09-15"
    }
  ]
}

Example Response:

{
  "payment_session_id": "76d6aaea-c1d5-11e8-a355-529269fb1459",
  "encoded_init_config": "QSBiYXNlNjQgZW5jb2RlZCBvYmplY3Qgd2hpY2ggY29udGFpbnMgY29uZmlndXJhdGlvbiBuZWVkZWQgdG8gcGVyZm9ybSBkZXZpY2UgZmluZ2VycHJpbnRpbmcgYW5kL29yIDNEUyBNZXRob2Qu",
  "links": {
    "book": {
      "method": "POST",
      "href": "/2.2/itineraries?token=MY5S3j36cOcLfLBZjPYQ1abhfc8CqmjmFVzkk7euvWaunE57LLeDgaxm516m"
    }
  }
}

Create Booking API

This will be the fourth step in the JavaScript-Rapid PSD2 booking flow and occurs after the JavaScript initSession method.

The request will not include any new fields for PSD2 – all needed information is contained within the token of the Book link returned by the Register Payment API.

The response, if successful, will always contain an itinerary_id. However, this alone does not indicate that a booking is confirmed because 2FA may be required.

If 2FA is required, the response will also include an encoded_challenge_config. The encoded_challenge_config and payment_session_id (returned from Register Payment) will need to passed as parameters into the JavaScript challenge method.

The response will also include a new link for complete_payment_session. This link should be used after challenge method of the JavaScript library.

If 2FA is not required, the booking is confirmed and the response will include links for retrieve,cancel, and optionally resume.

Example Response (if 2FA is required):

{
  "payment_session_id": "76d6aaea-c1d5-11e8-a355-529269fb1459", "encoded_init_config": "QSBiYXNlNjQgZW5jb2RlZCBvYmplY3Qgd2hpY2ggY29udGFpbnMgY29uZmlndXJhdGlvbiBuZWVkZWQgdG8gcGVyZm9ybSBkZXZpY2UgZmluZ2VycHJpbnRpbmcgYW5kL29yIDNEUyBNZXRob2Qu",
  "links": 
"book": {
      "method": "POST",
      "href": "/2.2/itineraries?token=MY5S3j36cOcLfLBZjPYQ1abhfc8CqmjmFVzkk7euvWaunE57LLeDgaxm516m"
    }
  }

Complete Payment Session API

This will be the sixth step in the JavaScript-Rapid PSD2 booking flow and occurs after the JavaScript challenge method. This API is required to complete the payment and inform EPS that a 2FA attempt was completed (successfully or not).

The request will not include any new fields for PSD2.

The response, if successful, will contain an itinerary_id and links for retrieve, cancel, and optionally resume. A successful response that a booking is confirmed.

Example Response:

{
  "itinerary_id": "8999989898988",
  "links": {
    "retrieve": {
      "method": "GET",
      "href": "/2.2/itineraries/8999989898988?token=MY5S3j36cOcLfLBZjPYQ1abhfc8CqmjmFVzkk7euvWaunE57LLeDgaxm516m"
    }
  }
}

3DS Connector JavaScript Library and 3DS iframe

When using the PSD2 booking workflow, the checkout page must include a new iframe and JavaScript library. The iframe, referred to as the 3DS iframe, will display the authentication experience (using 3D-Secure 2.x) to the traveler. The JavaScript library, refered to as the 3DS Connector Library, will support the transfer of information to issing banks and load the banks’ content into the iframe

Adding the 3DS iframe and JavaScript Library

Adding the 3DS iframe

The 3DS iframe should be wrapped in a container that is initially hidden but can be displayed when an authentication challenge is required to process a payment.

The design of the container can be customized to suit the hosting page. The sample below shows an example implementation meant for guidance only, using a bootstrap modal:

<div id="threeDsIframeModal" class="modal" role="dialog">
  <div class="modal-dialog" role="document">
    <div class="modal-content">
      <div class="modal-body iframe-container">
        <div class="embed-responsive embed-responsive-16by9">
          <iframe id="threeDsIframe" src="<<3DS iframe URL>>">
          </iframe>
        </div>
      </div>
    </div>
  </div>
</div>

The source of the iframe must be set to one of two values:

URL Type	URL	Notes
Production	https://static.pay.expedia.com/3ds/threeDsIframe.html	Supports production 2FA
Testing Sandbox	https://static.pay.expedia.com/3ds/sandboxThreeDsIframe.html	Supports Testing of 2FA

The Test URL can be support testing – this topic is reviewed later in this document. To restrict the contents of the iframe during testing, iframe can be attributed with sandbox however it must allow the following:

sandbox="allow-scripts allow-forms allow-same-origin"

Adding the 3DS Connector JavaScript Library

The 3DS Connector library communicates with the 3DS iframe and send data to the issuing bank (whom provides the iframe content). The sample below shows an example of how to add library to the checkout page.

  <head>
  <script src="<<3DS connector script URL>>" integrity="<<actual integrity value>>"></script>
  </head>

The source and integrity values of the script element can should be set to the below values:

Library Version	Attribute	Value
1.3.65	src	https://static.pay.expedia.com/3ds/1.3.65/pay-3ds-js-libs-connector.min.js
1.3.65	integrity	`sha384-9RvmATiSwxEg4/XIjHSfNDqrR4RoP4jKkoxdGQx+EbR6WhNvTiDV5Ay1knjgnbKt`

Note: The source URL and integrity will change as future versions are available for adoption.

Using the 3DS iframe and JavaScript Library

The library requires the use of JavaScript Promises. The sample below shows an example implementation meant for guidance only and demonstrates how data is exchanged between the Javascript methods and EPS Rapid.

// Initialize the library
let connector = new PayThreeDSConnector.ThreeDSConnector("threedsiframe", "https://static.pay.expedia.com"); 
RapidIntegration.priceCheck(priceCheckLink)
  .then(priceCheckResponse => {
    paymentSessionLink = priceCheckResponse.links.payment_session.href;
    // Setup an authentication session with the library
    return connector.setup({ referenceId: '1000' })
  }).then(setupResponse => {
    console.log("Setup Response: ", setupResponse);
    
    // Send information from setup to Rapid's Register Payments API
    return RapidIntegration.registerPayment(paymentSessionLink, 
           setupResponse);
  }).then(paymentSessionResponse => {
    console.log("Register Payments Response: ", paymentSessionResponse);
    paymentSessionId = paymentSessionResponse.paymentSessionId;
    bookLink = paymentSessionResponse.links.book.href;
    if (paymentSessionResponse.encoded_init_config) {
      // If the payment session response contains an encoded_init_config   
      // field, initialize an authentication session with the library
      // using information returned from Rapid's Register Payments API
      connector.initSession({
        paymentSessionId: paymentSessionId,
        encodedInitConfig: paymentSessionResponse.encodedInitConfig
      }).then(initSessionResponse => {
        console.log("Init Session Response: ", initSessionResponse);
        // Then create a booking with Rapid's Book API
        return RapidIntegration.createBooking(bookLink, 
               paymentSessionId);
      })
    } else {
      // Otherwise, create a booking with Rapid's Book API directly
      return RapidIntegration.createBooking(bookLink, paymentSessionId);
    }
  }).then(createBookingResponse => {
    console.log("Create Booking Response: ", createBookingResponse);
    itineraryId = createBookingResponse.itinerary_id;
    if (createBookingResponse.encoded_challenge_config) {
      // If the Create Booking API contains an encoded_challenge_config field,
      // display the authentication challenge window
      $('#threeDsIframeModal).modal('show');
      completePaymentSessionLink = createBookingResponse.links.complete_payment_session.href;
      // Perform the challenge using the information returned from Rapid's Register Payments API
      // and Create Booking API
      connector.challenge({
        paymentSessionId: paymentSessionId,
        encodedChallengeConfig: createBookingResponse.encodedChallengeConfig
      }).then(challengeResponse => {
        console.log("Challenge Response: ", challengeResponse);
        // Complete a booking with Rapid's Complete Payment Session API
        return RapidIntegration.completePaymentSession(completePaymentSessionLink, itineraryId);
      }).then(completePaymentSessionResponse => {
        console.log("Complete Payment Session Response: ", completePaymentSessionResponse);
        return completePaymentSessionResponse;
      }).finally(() => {
        // Close the authentication challenge window
        $('#threeDsIframeModal').modal('hide');
      });
    } else {
      return createBookingResponse;
    }
  }).then(bookingResponse => {
    ...
  });

Note: References to the RapidIntegration class are part of the example and not part of the 3DS Connector library. They are meant to demonstrate a wrapper that supports the transfer of information to the APIs.

Note: The sample uses static values for parameters that should be determined at run time (e.g. referenceId)

Checkout Page Guidelines

Card brands that support 2FA may require that their logos and branding be displayed in accordance with their guidelines. As September approaches, guidance from additional card brands will be included below.

Card Brand	2FA Branding	Logos and Guidance
Mastercard	Mastercard Identity Check	http://offers.worldpayglobal.com/rs/850-JOA-856/images/MC%20Identify%20Check%20logos.zip
Visa	Visa Secure	http://offers.worldpayglobal.com/rs/850-JOA-856/images/Visa%20Secure%20logos.zip

Note:Logos and guidance for other card brands will be included as they become available.

3DS Connector JavaScript Library Documentation

Note: Documentation is available as a preview of the upcoming solution which will be made available for adotion ahead of September.

Class: ThreeDSConnector

Constructor

new ThreeDSConnector(threeDsIFrameId, threeDsIFrameOrigin)

Parameters:

Name	Type	Description
`threeDsIFrameOrigin`	string	The ID of the 3DS iframe.
`threeDsIFrameOrigin`	string	The origin of the 3DS iframe. Used to target outgoing window messages and filter incoming messages when communicating with the 3DS iframe.

Method

Setup

Sets up the payment session by collecting basic details about the browser needed by backend 3DS service, such as screen size, color depth, etc.

Method signature:

setup(setupRequest)

Parameters:

Name	Type
`setupRequest`	`SetupRequest`

Returns:

Promise for a SetupResponse

Intialize Session

Initializes the session for authentication with 3DS. As a part of the initialization, additional data may be collected from the browser. If required by the card issuer, a 3DS method URL could be loaded into the iframe to enable the card issuer’s Access Control Server (ACS) to collect data from the browser directly. The client doesn’t have to wait for the completion callback to be invoked before the order can be created.

Method signature:

initSession(initSessionRequest)

Parameters:

Name	Type
`initSessionRequest`	`InitSessionRequest`

Returns: Promise for a InitSessionResponse

Challenge

Loads the 3DS authentication experience, if required by the card issuer.

Method signature:

challenge(challengeRequest)

Parameters:

Name	Type
`challengeRequest`	`ChallengeRequest`

Returns: Promise for a ChallengeResponse

Class: SetupRequest

Request Structure for the setup call.

Properties:

Name	Type	Description
`referenceId`	`string`	The reference ID to identify the traveler’s checkout session. Used for logging and tracing. Use a concatenation of your APIKey and Customer-Session-ID using an underscore. Example: [APIKey]_[SessionID]

Class: SetupResponse

Response from the setup call.

Properties:

Name	Type	Description
`version`	string	The version of this library. This is the same version present in the URL path to the library.
`encodedBrowserMetadata`	string	An encoded object containing the collected browser details. The client should treat this as opaque data to be passed to the backend payment services without parsing.

Class: InitSessionRequest

Request structure for the initSession method.

Properties:

Name	Type	Description
`paymentSessionId`	string	A unique ID returned by the EPS Rapid Register Payments API.
`encodedInitConfig`	string	An encoded list of config objects containing data required for initialization, returned by the EPS Rapid Register Payments API.

Class: InitSessionResponse

Response structure for the initSession method.

Properties:

Name	Type	Description
`statusCode`	string	Status of the initSession call.
`message`	string	Optional. Indicates the failure reason.

Possible values for statusCode:

Value	Description
`SUCCESS`	Initialization completed successfully.
`SKIPPED`	No initialization was done.
`FAILED`	Initialization failed. The message field contains additional information regarding the failure.
`TIMEOUT`	Initialization was not completed within the available time. Timeout duration is 10 seconds.

Note: For all initSessionresponse statusCode values, proceed with EPS Rapid Book API

Class: ChallengeRequest

Request structure for the challenge method.

Properties:

statusCode Value	Test encoded_Challenge_config Value	Description
SUCCESS	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlNVQ0NFU1MifV0`	Without user iframe interaction
SUCCESS / FAILED	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlNIT1cifV0`	Without user iframe interaction
FAILED	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIkZBSUxFRCJ9XQ`	Without user iframe interaction
TIMEOUT	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlRJTUVPVVQifV0`
ERROR	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmdlT3V0cHV0Q29uZmlnIjogIkVSUk9SIn1d`

Possible values for statusCode

Value	Description
`SUCCESS`	3DS challenge was completed successfully.
`SKIPPED`	External application error.
`FAILED`	3DS challenge was not completed successfully due to card holder’s inability to correctly respond to the authentication challenge.
`TIMEOUT`	Challenge was not completed in the available time. Timeout duration is 1200 seconds.

Note: For all challengeResponse statusCode values, proceed with EPS Rapid for Complete Payment Session.

Testing with EPS Rapid and Two-Factor Authentication

Your integration with EPS Rapid and the 3DS Connector methods can be tested with input parameter values that correspond to specific scenarios supported by the APIs.

EPS Rapid

To test EPS Rapid, include an additional HTTP header named Test in the HTTP request and use one of the supported values for that API to test a supported scenario.

Within the PSD2 booking flow, test responses from EPS Rapid can also be used to test the 3DS Connector Library methods.

Register Payments

The following test header values result in different encoded_init_config values in the API response different and HTTP response codes. The encoded_init_config can be passed in to the initSession call of the Javascript library to trigger different test cases within the 3DS Connector Library.

Test Header Value	HTTP Code & Response	initSession Test Case
`standard`	201 – Standard Response	SUCCESS
`init_skip`	201 - Response Without `encodedInitConfig`	Not supported
`init_fail`	201 – Standard Response	FAILED
`init_timeout`	201 – Standard Response	TIMEOUT
`internal_server_error`	500 – Internal Server Error
`internal_server_error`	503 - Server Unavailable

Note: init_skipdifferent test cases within the 3DS Connector Library.t_config that can be passed to initSession and force a statusCodeof SKIPPED

Create Booking

In addition to the test headers defined in EPS Rapid Booking Test Requests for the non-PSD2 booking flow, additional test header values are supported for the PSD2 workflow.

The test header values result in differerent encodedChallengeConfig values which can be passed in to the challenge call of the JavaScript library to trigger different test cases.

Test Header Value	HTTP Code & Response	initSession Test Case
`complete_payment_session`	201 – Response with Complete Payment Session link	SUCCESS without user iframe Interaction
`complete_payment_session_show`	201 – Response with Complete Payment Session link	SUCCESS/FAILED with user iframe Interaction
`complete_payment_session_fail`	201 – Response with Complete Payment Session link	FAILED without user iframe Interaction
`complete_payment_session_timeout`	201 – Response with Complete Payment Session link	TIMEOUT
`complete_payment_session_error`	201 – Response with Complete Payment Session link	ERROR

Complete Payment Session

The test header values result in differerent error cases that can occur when trying to complete a payment and confirm a booking.

Test Header Value	HTTP Code & Response
`payment_declined`	400 - Payment Declined Response
`price_mismatch`	409 - Price Mismatch Response
`rooms_unavailable`	410 - Rooms Unavailable Response

3DS Connector Library and iFrame

To test the 3DS Connector without external dependencies, specific parameter values correspond to supported method responses. This behaviour is only supported when the iframe is loaded with the Test Sandbox URL.

Initialize Session

The supported values of the InitSessionResponse statusCode can be tested by varying the initSessionRequest encodedInitConfig.

statusCode Value	Test encodedInitConfig Value
SUCCESS	`W3sicHJvdmlkZXJJZCI6IDAsICJz YW5kYm94SW5pdE91dHB1dENvbmZpZyI6ICJTVUNDRVNTIn1d`
FAILED	`W3sicHJvdmlkZXJJZCI6IDAsICJz YW5kYm94SW5pdE91dHB1dENvbmZpZyI6ICJGQUlMRUQifV0=`
TIMEOUT	`W3sicHJvdmlkZXJJZCI6IDAsICJz YW5kYm94SW5pdE91dHB1dENvbmZpZyI6ICJUSU1FT1VUIn1d`
SKIPPED	Not supported at this time.

Note: The encoded_init_configvalues can also be generated with the supported test headers of the Register Payments API.

Challenge

The supported values of the challengeResponse statusCode can be teted by varying the challengeRequest encondedChallengeConfig.

statusCode Value	Test encoded_Challenge_config Value	Description
SUCCESS	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlNVQ0NFU1MifV0`	Without user iframe interaction
SUCCESS / FAILED	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlNIT1cifV0`	Without user iframe interaction
FAILED	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIkZBSUxFRCJ9XQ`	Without user iframe interaction
TIMEOUT	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmd lT3V0cHV0Q29uZmlnIjogIlRJTUVPVVQifV0`
ERROR	`W3sicHJvdmlkZXJJZCI6IDA sICJzYW5kYm94Q2hhbGxlbmdlT3V0cHV0Q29uZmlnIjogIkVSUk9SIn1d`

Note: The encodedInitConfig values can also be generated with the supported test headers for the PSD2 flow of the Book API.

Note: When testing for challenge status code value of SUCCESS or FAILED based on user input with the iframe, the challenge method response will wait on the completion of the simulated authentication UI in the iframe.

Example of UI in 3DS iframe:

Example Usage

The sample below shows an example implementation meant for guidance only. The sample demonstrates how to use the predefined parameter values to test the library for a 3DS challenge is successful without the user needing to interact with the iframe.

var c = new PayThreeDSConnector.ThreeDSConnector("threedsiframe", "https://static.pay.expedia.com"); // change to match the 3DS iframe ID
c.setup({referenceId: "1000"})
  .then(setupResponse => {
    console.log("Setup Output: ", setupResponse);
    return c.initSession({paymentSessionId: 1, encodedInitConfig: " W3sicHJvdmlkZXJJZCI6IDAsICJzYW5kYm94SW5pdE91dHB1dENvbmZpZyI6ICJTVUNDRVNTIn1d"}); // SUCCESS
  })
  .then(initResponse => {
    console.log("InitSession Output: ", initResponse);
    $("#threedsIframeModal").modal(); // replace with code to show the modal containing the 3DS iframe
    return c.challenge({paymentSessionId: 1, encodedChallengeConfig: " W3sicHJvdmlkZXJJZCI6IDAsICJzYW5kYm94Q2hhbGxlbmdlT3V0cHV0Q29uZmlnIjogIlNVQ0NFU1MifV0="}); // SUCCESS
  })
  .then(challengeResponse => {
    console.log("Challenge Output: ", challengeResponse);
  })
  .finally(() => {
    $("#threedsIframeModal").modal('hide'); // replace with code to hide the modal containing the 3DS iframe
  });

Two-Factor Authentication and Property Collect

Note: Documentation is available as a preview of the upcoming solution which will be made available for adoption ahead of September.

About Two-Factor Authentication for Property Collect

When booking with Property Collect, Expedia does not charge the card - we simply send it to property for handling. The property may use this information to validate the card ahead of checkin. At checkin, the traveler is expected to pay in-person.

However, sometimes travelers cannot checkin and properties may charge a “No-Show” fee. These charges can be impacted by PSD2 regulations because they involve a card and the traveler is not present.

If transactions are impacted, payments can fail or properties can face penalties from card brands if the charge is not-compliant.

To protect our relationship with properties and continue to serve our partners, Expedia Group is offering properties an optional path to compliance. Impacted properties can now leverage Expedia Group to provide 2FA on their behalf. This allows properties to protect their business and ensures that EPS can continue to offer the same diverse range properties.

Note: Only properties within the European Economic Area (EEA) are eligible for 2FA.

Note: The set of properties that may require 2FA is not static – it can grow as additional properties choose to enable this capability. This attribute of a Property is available in EPS Rapid Content v.2.4.

How can 2FA for Property Collect impact an integration?

If a partner wants to properties that can require 2FA, then the booking path should support 2FA. Without supporting 2FA, booking these properties may fail if the card-issuing bank determines 2FA is needed for the transaction (e.g. cards issued in the EEA).

When a No-Show fee is charged by the property, EPS will be the MOR. The charge’s descriptor on the card’s billing statement will not be defined by the property. The value will of the descriptor is defined by the partner. To customize this text, contact EPS Partner Support.
To remain compliant the requirements of card brands and the EPS Rapid launch process, use the Accepted Payments API to display the processing_country on the checkout page case of No-Show. This is required for all transactions where EPS is the MOR and this may occur if 2FA is used and a No-Show occurs.

How can impacts to an integration be mitigated

If an EPS Rapid integration does not support 2FA in the booking flow, the risk of failed bookings can be reduced by not selling the properties.

Contact EPS Partner Support to have these impacted Property Collect rates removed from Availability API responses.

When using an agent-tool, the transaction is exempted from 2FA in accordance with the regulations. Use the Availability API’s sales_channel field to indicate this.

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PSD2 European Compliance

Understand the impact of new EEA card payment regulation on your business

Table of Contents

Overview

Compliance Requirements

Partner is Merchant of Record

Expedia Affiliate Collect

Partner Cards

EPS is the Merchant of Record

Property is the Merchant of Record (Property Collect)

Overview of EPS Rapid Solution

How does it work?

Integration Component Details

Browser iFrame

Browser JavaScript Library (new)

Automatic Collection of Traveler’s Device-Information

Display the 2FA experience in the Browser iframe

EPS Rapid

Registration of Traveler and Payment Details

Completion of a Payment and Confirmation of Booking

Booking Flow

Overview

More information

EPS Rapid and Two-Factor Authentication Integration Guide

Overview

EPS Rapid

Availibility API

Price Check API

Register Payments API

Create Booking API

Complete Payment Session API

3DS Connector JavaScript Library and 3DS iframe

Adding the 3DS iframe and JavaScript Library

Adding the 3DS iframe

Adding the 3DS Connector JavaScript Library

Using the 3DS iframe and JavaScript Library

Checkout Page Guidelines

3DS Connector JavaScript Library Documentation

Class: ThreeDSConnector

Constructor

Method

Setup

Intialize Session

Challenge

Class: SetupRequest

Class: SetupResponse

Class: InitSessionRequest

Class: InitSessionResponse

Class: ChallengeRequest

Testing with EPS Rapid and Two-Factor Authentication

EPS Rapid

Register Payments

Create Booking

Complete Payment Session

3DS Connector Library and iFrame

Initialize Session

Challenge

Example Usage

Two-Factor Authentication and Property Collect

About Two-Factor Authentication for Property Collect

How can 2FA for Property Collect impact an integration?

How can impacts to an integration be mitigated