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Test scenarios

You can reproduce payment scenarios to know what to expect in your integration when using our fraud prevention services. Test our fraud prevention solution for:

  • Various fraud results and handling these requests (accepted, denied, challenged, and error)
  • Different payment methods available for fraud screening
  • Industry-specific data fields

For the best results, send as many data fields as possible when making a payment request. It ensures all of the data relating to the transactions is used in the risk evaluation process.

Scenario 1 - Accepted

Payment product Fraud screening result Fraud data fields Integration
Visa Card Accepted All Create payments
Scenario 1 request 
ACCEPTED REQUEST

    {
   "order":{
      "amountOfMoney":{
         "currencyCode":"EUR",
         "amount":"1500"
      },
      "references":{
         "merchantReference":"AcmeOrder0001"
      },
      "shipping":{
         "type":"overnight",
         "emailAddress":"wile@shipping.com",
         "address":{
            "street":"desertroad",
            "houseNumber":"14",
            "countryCode":"US",
            "zip":"1000 AA",
            "name":{
               "firstName":"Wile",
               "surname":"Coyote",
               "title":"Mr"
            }
         }
      },
      "shoppingCart":{
         "items":[
            {
               "amountOfMoney":{
                  "currencyCode":"EUR",
                  "amount":1500
               },
               "invoiceData":{
                  "description":"ACME Super Outfits"
               },
               "orderLineDetails":{
                  "productCode":"Code01",
                  "discountAmount":180,
                  "lineAmountTotal":1500,
                  "productType":"goods",
                  "productName":"ACME Super Outfits",
                  "quantity":1,
                  "productPrice":1500
               }
            }
         ]
      },
      "customer":{
         "merchantCustomerId":"YOUR_CUSTOMER_ID",
         "contactDetails":{
            "emailAddress":"accept@test.com"
         },
         "personalInformation":{
            "name":{
               "firstName":"Wile",
               "surname":"Coyote"
            }
         },
         "locale":"en",
         "billingAddress":{
            "countryCode":"US",
            "city":"Monument valley",
            "street":"Desertroad",
            "houseNumber":"14",
            "zip":"1000 AA",
            "state":"utah",
            "additionalInfo":"second level"
         },
         "device":{
            "timezoneOffsetUtcMinutes":"540",
            "ipAddress":"10.163.151.78",
            "deviceFingerprintTransactionId":"67daae5e-da54-4645-ad6e-da4382d0b32b"
         },
         "account":{
            "hadSuspiciousActivity":false,
            "paymentAccountOnFile":{
               "createDate":"20220221",
               "numberOfCardOnFileCreationAttemptsLast24Hours":2
            },
            "paymentAccountOnFileType":"debit",
            "authentication":{
               "method":"guest"
            }
         }
      }
   },
   "fraudFields":{
      "shipmentTrackingNumber":"123456789876",
      "defaultFormFill":"automatically",
      "isPreviousCustomer":"true",
      "orderTimezone":"24",
      "shipComments":"ship directly to your door",
      "giftCardType":"birthday",
      "giftMessage":"Happy Birthday! Dear friend!",
      "customerIpAddress":"10.11.23.909",
      "userData":[
         "property1Value1",
         "property1Value2",
         "property1Value3"
      ]
   },
   "threeDSecure":{
      "skipAuthentication":true
   },
   "cardPaymentMethodSpecificInput":{
      "paymentProductId":"1",
      "returnUrl":"Either configure in parameters or send in a request as it's mandatory for payment, though not related to fraud",
      "card":{
         "cvv":"123",
         "cardNumber":"4012000033330026",
         "expiryDate":"1223"
      },
      "skipfraud":"false",
      "initialSchemeTransactiond":"tranId",
      "transactionChannel":"ECOMMERCE"
   }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 ACCEPTED response

{
    "creationOutput": {
        "additionalReference": "CreditCard_002",
        "externalReference": "CreditCard_002"
    },
    "payment": {
        "id": "MOEA of merchant",
        "paymentOutput": {
            "amountOfMoney": {
                "amount": 1500,
                "currencyCode": "EUR"
            },
            "references": {
                "merchantReference": "CreditCard_002",
                "paymentReference": "0"
            },
            "paymentMethod": "card",
            "cardPaymentMethodSpecificOutput": {
                "paymentProductId": 1,
                "authorisationCode": "824604",
                "fraudResults": {
                    "fraudServiceResult": "accepted",
                    "avsResult": "0",
                    "cvvResult": "0",
                    "microsoftFraudProtection": {
                        "clauseName": "Approve for accept@test.com",
                        "fraudScore": 448,
                        "policyApplied": "Test email rules"
                    }
                },
                "card": {
                    "cardNumber": "************0026",
                    "expiryDate": "1223"
                }
            }
        },
        "status": "PENDING_APPROVAL",
        "statusOutput": {
            "isCancellable": true,
            "isRetriable": false,
            "statusCategory": "PENDING_MERCHANT",
            "statusCode": 600,
            "statusCodeChangeDateTime": "20230914094851",
            "isAuthorized": true,
            "isRefundable": false
        }
    }
}
ACI Fraud Prevention response
ACI Fraud Prevention ACCEPTED response

{
    "creationOutput": {
        "additionalReference": "AcmeOrder0001",
        "externalReference": "AcmeOrder0001"
    },
    "payment": {
        "id": "000001010200000012650000100001",
        "paymentOutput": {
            "amountOfMoney": {
                "amount": 100,
                "currencyCode": "EUR"
            },
            "references": {
                "merchantReference": "AcmeOrder0001",
                "paymentReference": "0"
            },
            "paymentMethod": "card",
            "cardPaymentMethodSpecificOutput": {
                "paymentProductId": 1,
                "authorisationCode": "018163",
                "fraudResults": {
                    "fraudServiceResult": "accepted",
                    "avsResult": "E",
                    "cvvResult": "P",
                    "retailDecisions": {
                        "fraudCode": "0100",
                        "fraudNeural": "30"
                    }
                },
                "card": {
                    "cardNumber": "************0026",
                    "expiryDate": "1223"
                }
            }
        },
        "status": "PENDING_APPROVAL",
        "statusOutput": {
            "isCancellable": true,
            "isRetriable": false,
            "statusCategory": "PENDING_MERCHANT",
            "statusCode": 600,
            "statusCodeChangeDateTime": "20230925120554",
            "isAuthorized": true,
            "isRefundable": false
        }
    }
}

Scenario 2 - Denied

Payment product Fraud screening result Fraud data fields Integration
Mastercard Denied Highly recommended fraud fields Create payments
Scenario 2 request 
denied REQUEST

   {
    "order": {
        "amountOfMoney": {
            "currencyCode": "EUR",
            "amount": "1500"
        },
        "shipping": {
            "type": "overnight",
            "emailAddress": "wile@shipping.com",
            "address": {
                "street": "desertroad",
                "houseNumber": "14",
                "countryCode": "BE",
                "zip": "1234 XQ",
                "name": {
                    "firstName": "Wile",
                    "surname": "Coyote",
                    "title": "Mr"
                }
            }
        },
        "customer": {
            "merchantCustomerId": "YOUR_CUSTOMER_ID",
            "contactDetails": {
                "emailAddress": "reject@test.com"
            },
            "billingAddress": {
                "countryCode": "BE",
                "city": "Brussels",
                "street": "Redstreet",
                "houseNumber": "14",
                "zip": "1000 AA",
                "additionalInfo": "Extension A"
            },
            "account": {
                "hadSuspiciousActivity": false,
                "paymentAccountOnFile": {
                    "createDate": "20220221",
                    "numberOfCardOnFileCreationAttemptsLast24Hours": 2
                },
                "paymentAccountOnFileType": "debit",
                "authentication": {
                    "method": "guest"
                }
            }
        }
    },
    "threeDSecure": {
        "skipAuthentication": true
    },
    "cardPaymentMethodSpecificInput": {
        "paymentProductId": "1",
        "card": {
            "cvv": "123",
            "cardNumber": "4012000033330026",
            "expiryDate": "1223"
        }
    }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 denied response

{
  "errorId": "6502bc070d6da00d7782ff65ab9da64a",
  "errors": [
    {
      "code": "430450",
      "message": "Not authorised",
      "httpStatusCode": 402
    }
  ],
  "paymentResult": {
    "creationOutput": {
      "additionalReference": "00000113251000000131",
      "externalReference": "000001132510000001310000100001"
    },
    "payment": {
      "id": "MOEA of order",
      "paymentOutput": {
        "amountOfMoney": {
          "amount": 1500,
          "currencyCode": "EUR"
        },
        "references": {
          "paymentReference": "0"
        },
        "paymentMethod": "card",
        "cardPaymentMethodSpecificOutput": {
          "paymentProductId": 1,
          "fraudResults": {
            "fraudServiceResult": "denied",
            "microsoftFraudProtection": {
              "clauseName": "Reject for reject@test.com",
              "fraudScore": 147,
              "policyApplied": "Test email rules"
            }
          },
          "card": {
            "cardNumber": "************0026",
            "expiryDate": "1223"
          }
        }
      },
      "status": "REJECTED",
      "statusOutput": {
        "errors": [
          {
            "code": "430450",
            "requestId": "641324",
            "message": "Not authorised",
            "httpStatusCode": 402
          }
        ],
        "isCancellable": false,
        "isRetriable": false,
        "statusCategory": "UNSUCCESSFUL",
        "statusCode": 160,
        "statusCodeChangeDateTime": "20230914095344",
        "isAuthorized": false,
        "isRefundable": false
      }
    }
  }
}
ACI Fraud Prevention response
ACI Fraud Prevention denied response

{
  "errorId": "65143f8d291375e6a6a181cf8ebdaf87",
  "errors": [
    {
      "code": "430450",
      "message": "Not authorised",
      "httpStatusCode": 402
    }
  ],
  "paymentResult": {
    "creationOutput": {
      "additionalReference": "AcmeOrder0001",
      "externalReference": "AcmeOrder0001"
    },
    "payment": {
      "id": "000001010200000012860000100001",
      "paymentOutput": {
        "amountOfMoney": {
          "amount": 1500,
          "currencyCode": "EUR"
        },
        "references": {
          "merchantReference": "AcmeOrder0001",
          "paymentReference": "0"
        },
        "paymentMethod": "card",
        "cardPaymentMethodSpecificOutput": {
          "paymentProductId": 1,
          "fraudResults": {
            "fraudServiceResult": "denied",
            "retailDecisions": {
              "fraudCode": "0250"
            }
          },
          "card": {
            "cardNumber": "************0026",
            "expiryDate": "1223"
          }
        }
      },
      "status": "REJECTED",
      "statusOutput": {
        "errors": [
          {
            "code": "430450",
            "requestId": "223",
            "message": "Not authorised",
            "httpStatusCode": 402
          }
        ],
        "isCancellable": false,
        "isRetriable": false,
        "statusCategory": "UNSUCCESSFUL",
        "statusCode": 160,
        "statusCodeChangeDateTime": "20230927164328",
        "isAuthorized": false,
        "isRefundable": false
      }
    }
  }
}

Scenario 3 - Challenged

Payment product Fraud screening result Fraud data fields Integration fields
Visa Card Challenged: transaction reviewed to for a further decision All fraud fields Create payments
Scenario 3 request 
CHALLENGED REQUEST

{
	"order": {
		"amountOfMoney": {
			"currencyCode": "EUR",
			"amount": "1500"
		},
		"references": {
			"merchantReference": "AcmeOrder0001"
		},
		"shipping": {
			"type": "overnight",
			"emailAddress": "wile@shipping.com",
			"address": {
				"street": "desertroad",
				"houseNumber": "14",
				"countryCode": "US",
				"zip": "1000 AA",
				"name": {
					"firstName": "Wile",
					"surname": "Coyote",
					"title": "Mr"
				}
			}
		},
		"shoppingCart": {
			"items": [
				{
					"amountOfMoney": {
						"currencyCode": "EUR",
						"amount": 1500
					},
					"invoiceData": {
						"description": "ACME Super Outfits"
					},
					"orderLineDetails": {
						"productCode": "Code01",
						"discountAmount": 180,
						"lineAmountTotal": 1500,
						"productType": "goods",
						"productName": "ACME Super Outfits",
						"quantity": 1,
						"productPrice": 1500
					}
				}
			]
		},
		"customer": {
			"merchantCustomerId": "YOUR_CUSTOMER_ID",
			"contactDetails": {
				"emailAddress": "challenge@test.com"
			},
			"personalInformation": {
				"name": {
					"firstName": "Wile",
					"surname": "Coyote"
				}
			},
			"locale": "en",
			"billingAddress": {
				"countryCode": "US",
				"city": "Monument valley",
				"street": "Desertroad",
				"houseNumber": "14",
				"zip": "1000 AA",
				"state": "utah",
				"additionalInfo": "second level"
			},
			"device": {
				"timezoneOffsetUtcMinutes": "540",
				"ipAddress": "10.163.151.78",
				"deviceFingerprintTransactionId": "67daae5e-da54-4645-ad6e-da4382d0b32b"
			},
			"account": {
				"hadSuspiciousActivity": false,
				"paymentAccountOnFile": {
					"createDate": "20220221",
					"numberOfCardOnFileCreationAttemptsLast24Hours": 2
				},
				"paymentAccountOnFileType": "debit",
				"authentication": {
					"method": "guest"
				}
			}
		}
	},
	"fraudFields": {
		"shipmentTrackingNumber": "123456789876",
		"defaultFormFill": "automatically",
		"isPreviousCustomer": "true",
		"orderTimezone": "24",
		"shipComments": "ship directly to your door",
		"giftCardType": "birthday",
		"giftMessage": "Happy Birthday! Dear friend!",
		"customerIpAddress": "10.11.23.909",
		"userData": [
			"property1Value1",
			"property1Value2",
			"property1Value3"
		]
	},
	"threeDSecure": {
		"skipAuthentication": true
	},
	"cardPaymentMethodSpecificInput": {
		"paymentProductId": "1",
		"returnUrl": "Either configure in parameters or send in a request as it's mandatory for payment, though not related to fraud",
		"card": {
			"cvv": "123",
			"cardNumber": "4012000033330026",
			"expiryDate": "1223"
		},
		"skipfraud": "false",
		"initialSchemeTransactiond": "tranId",
		"transactionChannel": "ECOMMERCE"
	}
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 CHALLENGED response

{
	"creationOutput": {
		"additionalReference": "AcmeOrder0001",
		"externalReference": "AcmeOrder0001"
	},
	"payment": {
		"id": "000001017500001918670000100001",
		"paymentOutput": {
			"amountOfMoney": {
				"amount": 1500,
				"currencyCode": "EUR"
			},
			"references": {
				"merchantReference": "AcmeOrder0001",
				"paymentReference": "0"
			},
			"paymentMethod": "card",
			"cardPaymentMethodSpecificOutput": {
				"paymentProductId": 1,
				"fraudResults": {
					"fraudServiceResult": "challenged",
					"avsResult": "0",
					"cvvResult": "0",
					"microsoftFraudProtection": {
						"clauseName": "Review for challenge@test.com",
						"fraudScore": 26,
						"policyApplied": "Test email rules"
					}
				},
				"card": {
					"cardNumber": "************0026",
					"expiryDate": "1223"
				}
			}
		},
		"status": "PENDING_FRAUD_APPROVAL",
		"statusOutput": {
			"isCancellable": true,
			"isRetriable": false,
			"statusCategory": "PENDING_MERCHANT",
			"statusCode": 525,
			"statusCodeChangeDateTime": "20231004152901",
			"isAuthorized": true,
			"isRefundable": false
		}
	}
}
ACI Fraud Prevention response
ACI Fraud Prevention CHALLENGED response

{
	"creationOutput": {
		"additionalReference": "AcmeOrder0001",
		"externalReference": "AcmeOrder0001"
	},
	"payment": {
		"id": "000001010200000013390000100001",
		"paymentOutput": {
			"amountOfMoney": {
				"amount": 1500,
				"currencyCode": "EUR"
			},
			"references": {
				"merchantReference": "AcmeOrder0001",
				"paymentReference": "0"
			},
			"paymentMethod": "card",
			"cardPaymentMethodSpecificOutput": {
				"paymentProductId": 1,
				"authorisationCode": "HOSTOK",
				"fraudResults": {
					"fraudServiceResult": "challenged",
					"avsResult": "0",
					"cvvResult": "0",
					"retailDecisions": {
						"fraudCode": "0330"
					}
				},
				"card": {
					"cardNumber": "************0026",
					"expiryDate": "1223"
				}
			}
		},
		"status": "PENDING_FRAUD_APPROVAL",
		"statusOutput": {
			"isCancellable": true,
			"isRetriable": false,
			"statusCategory": "PENDING_MERCHANT",
			"statusCode": 525,
			"statusCodeChangeDateTime": "20231004152749",
			"isAuthorized": true,
			"isRefundable": false
		}
	}
}

Scenario 4 - Error

Payment product Fraud screening result Fraud data fields Integration
Mastercard Error (fraud service is not available, but transactions continues) Highly recommended fraud fields Create payments
Scenario 4 request 
ERROR REQUEST

{
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": "1500"
    },
    "customer": {
      "merchantCustomerId": "YOUR_CUST_ID",
      "contactDetails": {
        "emailAddress": "accept@test.com"
      },
      "billingAddress": {
        "countryCode": "NL",
        "city": "Amsterdam",
        "street": "desertroad",
        "houseNumber": "14",
        "zip": "1000 AA",
        "additionalInfo": "First Floor"
      },
      "account": {
        "hadSuspiciousActivity": false,
        "paymentAccountOnFile": {
          "createDate": "20220221",
          "numberOfCardOnFileCreationAttemptsLast24Hours": 2
        },
        "paymentAccountOnFileType": "debit",
        "authentication": {
          "method": "guest"
        }
      }
    }
  },
  "threeDSecure": {
    "skipAuthentication": true
  },
  "cardPaymentMethodSpecificInput": {
    "paymentProductId": "3",
    "card": {
      "cvv": "123",
      "cardNumber": "5137009801943438",
      "expiryDate": "1223"
    }
  }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 ERROR response

{
  "creationOutput": {
    "additionalReference": "AcmeOrder0001",
    "externalReference": "AcmeOrder0001"
  },
  "payment": {
    "id": "000001017500000013260000100001",
    "paymentOutput": {
      "amountOfMoney": {
        "amount": 1500,
        "currencyCode": "EUR"
      },
      "references": {
        "merchantReference": "AcmeOrder0001",
        "paymentReference": "0"
      },
      "paymentMethod": "card",
      "cardPaymentMethodSpecificOutput": {
        "paymentProductId": 1,
        "authorisationCode": "HOSTOK",
        "fraudResults": {
          "fraudServiceResult": "error",
          "avsResult": "0",
          "cvvResult": "0"
        },
        "card": {
          "cardNumber": "************0026",
          "expiryDate": "1223"
        }
      }
    },
    "status": "PENDING_APPROVAL",
    "statusOutput": {
      "isCancellable": true,
      "isRetriable": false,
      "statusCategory": "PENDING_MERCHANT",
      "statusCode": 600,
      "statusCodeChangeDateTime": "20230929124930",
      "isAuthorized": true,
      "isRefundable": false
    }
  }
}
ACI Fraud Prevention response
ACI Fraud Prevention ERROR response

{
  "creationOutput": {
    "additionalReference": "AcmeOrder0001",
    "externalReference": "AcmeOrder0001"
  },
  "payment": {
    "id": "000001010200000013260000100001",
    "paymentOutput": {
      "amountOfMoney": {
        "amount": 1500,
        "currencyCode": "EUR"
      },
      "references": {
        "merchantReference": "AcmeOrder0001",
        "paymentReference": "0"
      },
      "paymentMethod": "card",
      "cardPaymentMethodSpecificOutput": {
        "paymentProductId": 1,
        "authorisationCode": "HOSTOK",
        "fraudResults": {
          "fraudServiceResult": "error",
          "avsResult": "0",
          "cvvResult": "0"
        },
        "card": {
          "cardNumber": "************0026",
          "expiryDate": "1223"
        }
      }
    },
    "status": "PENDING_APPROVAL",
    "statusOutput": {
      "isCancellable": true,
      "isRetriable": false,
      "statusCategory": "PENDING_MERCHANT",
      "statusCode": 600,
      "statusCodeChangeDateTime": "20230929124930",
      "isAuthorized": true,
      "isRefundable": false
    }
  }
}

Scenario 5 - Accepted (Airline data) 

Payment product Fraud screening result Fraud data fields Integration
Visa card Accepted Airline data Create payments
Scenario 5 request 
accepted REQUEST

{
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": "1500"
    },
    "customer": {
      "merchantCustomerId": "YOUR_CUST_ID",
      "contactDetails": {
        "billingAddress": {
          "countryCode": "BE",
          "city": "Brussels",
          "street": "Redstreet",
          "houseNumber": "14",
          "zip": "1000 AA",
          "additionalInfo": "Extension A"
        },
        "account": {
          "hadSuspiciousActivity": false,
          "paymentAccountOnFile": {
            "createDate": "20220221",
            "numberOfCardOnFileCreationAttemptsLast24Hours": 2
          },
          "paymentAccountOnFileType": "debit",
          "authentication": {
            "method": "guest"
          }
        }
      },
      "additionalInput": {
        "airlineData": {
          "agentNumericCode": "123456",
          "travelAgencyName": "AB Travels",
          "code": "314",
          "flightDate": "20250101",
          "flightLegs": [
            {
              "airlineClass": "01",
              "arrivalAirport": "LAX",
              "carrierCode": "KL",
              "date": "20250101",
              "departureTime": "07:00",
              "fare": "100",
              "fareBasis": "internet",
              "flightNumber": "0733",
              "number": 0,
              "originAirport": "AMS",
              "stopoverCode": "permitted"
            },
            {
              "airlineClass": "02",
              "arrivalAirport": "BLR",
              "carrierCode": "KL",
              "date": "20250102",
              "departureTime": "15:00",
              "fare": "100",
              "fareBasis": "internet",
              "flightNumber": "0833",
              "number": 1,
              "originAirport": "LAX",
              "stopoverCode": "non-permitted"
            }
          ],
          "invoiceNumber": "654321",
          "isETicket": true,
          "isRestrictedTicket": false,
          "isThirdParty": false,
          "issueDate": "20240101",
          "merchantCustomerId": "YOUR_CUST_ID",
          "name": "EFSF",
          "passengerName": "Wile Coyote",
          "placeOfIssue": "Amsterdam",
          "pnr": "XYZXYZ",
          "pointOfSale": "Hello Tickets",
          "posCityCode": "Amsterdam",
          "ticketDeliveryMethod": "e-ticket",
          "ticketNumber": "XYZXYZ"
        }
      }
    },
    "threeDSecure": {
      "skipAuthentication": true
    },
    "cardPaymentMethodSpecificInput": {
      "paymentProductId": "1",
      "card": {
        "cvv": "123",
        "cardNumber": "4012000033330026",
        "expiryDate": "1223"
      }
    }
  }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 accepted response

{
  "creationOutput": {
    "additionalReference": "RestAPI:CreditCard_0",
    "externalReference": "RestAPI:CreditCard_002"
  },
  "payment": {
    "id": "000001017500001918720000100001",
    "paymentOutput": {
      "amountOfMoney": {
        "amount": 11500,
        "currencyCode": "EUR"
      },
      "references": {
        "merchantReference": "RestAPI:CreditCard_002",
        "paymentReference": "0"
      },
      "paymentMethod": "card",
      "cardPaymentMethodSpecificOutput": {
        "paymentProductId": 1,
        "fraudResults": {
          "fraudServiceResult": "accepted",
          "avsResult": "0",
          "cvvResult": "0",
          "microsoftFraudProtection": {
            "clauseName": "Approve for accept@test.com",
            "fraudScore": 119,
            "policyApplied": "Test email rules"
          }
        },
        "card": {
          "cardNumber": "************0026",
          "expiryDate": "1223"
        }
      }
    },
    "status": "PENDING_APPROVAL",
    "statusOutput": {
      "isCancellable": true,
      "isRetriable": false,
      "statusCategory": "PENDING_MERCHANT",
      "statusCode": 600,
      "statusCodeChangeDateTime": "20231004163817",
      "isAuthorized": true,
      "isRefundable": false
    }
  }
}

Scenario 6 - Accepted (Lodging data)

Payment product Fraud screening result Fraud data fields Integration fields
SEPA Direct Debit Accepted Lodging data Create payments
Scenario 6 request 
ACCEPTED REQUEST

{
  "creationOutput": {
    "additionalReference": "RestAPI:CreditCard_0",
    "externalReference": "RestAPI:CreditCard_002"
  },
  "payment": {
    "id": "000001017500001918720000100001",
    "paymentOutput": {
      "amountOfMoney": {
        "amount": 11500,
        "currencyCode": "EUR"
      },
      "references": {
        "merchantReference": "RestAPI:CreditCard_002",
        "paymentReference": "0"
      },
      "paymentMethod": "card",
      "cardPaymentMethodSpecificOutput": {
        "paymentProductId": 1,
        "fraudResults": {
          "fraudServiceResult": "accepted",
          "avsResult": "0",
          "cvvResult": "0",
          "microsoftFraudProtection": {
            "clauseName": "Approve for accept@test.com",
            "fraudScore": 119,
            "policyApplied": "Test email rules"
          }
        },
        "card": {
          "cardNumber": "************0026",
          "expiryDate": "1223"
        }
      }
    },
    "status": "PENDING_APPROVAL",
    "statusOutput": {
      "isCancellable": true,
      "isRetriable": false,
      "statusCategory": "PENDING_MERCHANT",
      "statusCode": 600,
      "statusCodeChangeDateTime": "20231004163817",
      "isAuthorized": true,
      "isRefundable": false
    }
  }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 ACCEPTED response

{
  "creationOutput": {
    "additionalReference": "Direct Debit Travel",
    "externalReference": " Direct Debit Travel002"
  },
  "merchantAction": {
    "actionType": "SHOW_TRANSACTION_RESULTS",
    "showData": [
      {
        "key": "PAYMENTREFERENCE",
        "value": "0"
      },
      {
        "key": "ORDERID",
        "value": "191875"
      }
    ]
  },
  "payment": {
    "id": "000001017500001918750000100001",
    "paymentOutput": {
      "amountOfMoney": {
        "amount": 11500,
        "currencyCode": "EUR"
      },
      "references": {
        "merchantReference": " Direct Debit Travel",
        "paymentReference": "0"
      },
      "paymentMethod": "directDebit",
      "sepaDirectDebitPaymentMethodSpecificOutput": {
        "paymentProductId": 770,
        "token": "d44d6bed-b31a-45f4-9db0-1cd2cad1e7b3"
      }
    },
    "status": "CAPTURE_REQUESTED",
    "statusOutput": {
      "isCancellable": true,
      "isRetriable": false,
      "statusCategory": "PENDING_CONNECT_OR_3RD_PARTY",
      "statusCode": 800,
      "statusCodeChangeDateTime": "20231004165105",
      "isAuthorized": false,
      "isRefundable": false
    }
  }
}

Scenario 7 - Denied

Payment product Fraud screening result Fraud data fields Integration
Visa card Denied Highly recommended fields Create hosted checkout
Scenario 7 request 
DENIED REQUEST

{
  "order": {
    "amountOfMoney": {
      "currencyCode": "EUR",
      "amount": "1500"
    },
    "shipping": {
      "type": "overnight",
      "emailAddress": "wile@shipping.com",
      "address": {
        "street": "desertroad",
        "houseNumber": "14",
        "countryCode": "BE",
        "zip": "1234 XQ",
        "name": {
          "firstName": "Wile",
          "surname": "Coyote",
          "title": "Mr"
        }
      }
    },
    "customer": {
      "merchantCustomerId": "YOUR_CUST_ID",
      "contactDetails": {
        "emailAddress": "reject@test.com"
      },
      "billingAddress": {
        "countryCode": "BE",
        "city": "Brussels",
        "street": "Redstreet",
        "houseNumber": "14",
        "zip": "1000 AA",
        "additionalInfo": "Extension A"
      },
      "account": {
        "hadSuspiciousActivity": false,
        "paymentAccountOnFile": {
          "createDate": "20220221",
          "numberOfCardOnFileCreationAttemptsLast24Hours": 2
        },
        "paymentAccountOnFileType": "debit",
        "authentication": {
          "method": "guest"
        }
      }
    }
  },
  "threeDSecure": {
    "skipAuthentication": true
  }
}

Microsoft Dynamics 365 response
Microsoft Dynamics 365 DENIED response

{
  "createdPaymentOutput": {
    "payment": {
      "id": "000001017500001918620000100001",
      "hostedCheckoutSpecificOutput": {
        "hostedCheckoutId": "0651ac90-c7df-71ff-8eeb-ee2236ec75bd"
      },
      "paymentOutput": {
        "amountOfMoney": {
          "amount": 1500,
          "currencyCode": "EUR"
        },
        "references": {
          "merchantReference": "AcmeOrder0001",
          "paymentReference": "0"
        },
        "paymentMethod": "card",
        "cardPaymentMethodSpecificOutput": {
          "paymentProductId": 1,
          "fraudResults": {
            "fraudServiceResult": "denied",
            "microsoftFraudProtection": {
              "clauseName": "Reject for reject@test.com",
              "fraudScore": 32,
              "policyApplied": "Test email rules"
            }
          },
          "card": {
            "cardNumber": "************0026",
            "cardholderName": "T Test",
            "expiryDate": "1223"
          }
        }
      },
      "status": "REJECTED",
      "statusOutput": {
        "errors": [
          {
            "code": "430450",
            "requestId": "8",
            "message": "Not authorised",
            "httpStatusCode": 402
          }
        ],
        "isCancellable": false,
        "isRetriable": false,
        "statusCategory": "UNSUCCESSFUL",
        "statusCode": 160,
        "statusCodeChangeDateTime": "20231002154403",
        "isAuthorized": false,
        "isRefundable": false
      }
    },
    "paymentCreationReferences": {
      "additionalReference": "AcmeOrder0001",
      "externalReference": "AcmeOrder0001"
    },
    "paymentStatusCategory": "REJECTED"
  },
  "status": "PAYMENT_CREATED"
}
ACI Fraud Prevention response
ACI Fraud Prevention DENIED response

{
  "createdPaymentOutput": {
    "payment": {
      "id": "000001010200000013370000100001",
      "hostedCheckoutSpecificOutput": {
        "hostedCheckoutId": "0651ac9d-8100-71ff-9db9-7229d07f8126"
      },
      "paymentOutput": {
        "amountOfMoney": {
          "amount": 1500,
          "currencyCode": "EUR"
        },
        "references": {
          "merchantReference": "AcmeOrder0001",
          "paymentReference": "0"
        },
        "paymentMethod": "card",
        "cardPaymentMethodSpecificOutput": {
          "paymentProductId": 1,
          "fraudResults": {
            "fraudServiceResult": "denied",
            "retailDecisions": {
              "fraudCode": "0250"
            }
          },
          "card": {
            "cardNumber": "************0026",
            "cardholderName": "T Test",
            "expiryDate": "1223"
          }
        }
      },
      "status": "REJECTED",
      "statusOutput": {
        "errors": [
          {
            "code": "430450",
            "requestId": "639",
            "message": "Not authorised",
            "httpStatusCode": 402
          }
        ],
        "isCancellable": false,
        "isRetriable": false,
        "statusCategory": "UNSUCCESSFUL",
        "statusCode": 160,
        "statusCodeChangeDateTime": "20231002154944",
        "isAuthorized": false,
        "isRefundable": false
      }
    },
    "paymentCreationReferences": {
      "additionalReference": "AcmeOrder0001",
      "externalReference": "AcmeOrder0001"
    },
    "paymentStatusCategory": "REJECTED"
  },
  "status": "PAYMENT_CREATED"
}