3DS 2.0 – Cartão de Débito e Crédito – Rede

Cartão de Débito e Cartão de Crédito

– Compra autenticada pelo banco emissor.
– Permite ao lojista habilitar a função cartão de débito como meio de pagamento.
– Mais segurança para suas transações, cartão de débito e crédito.

*Importante: atualmente o 3DS 2.0 está disponível apenas para uso com adquirente Rede.

Observação: Um dos grandes diferenciais desta versão é de que o a janela de autenticação do banco emissor não será exibida, no entanto é importante salientar que essa é uma premissa do banco; não cabendo ao gateway ser esse tomador de decisão. Em caso de retorno da URL retornada na requisição de 3DSecure pode ser aberta em lightbox com as dimensões de 400×400

3Ds 2.0 – Cartão de crédito e débito – URLs Para Envio dos Dados

SANDBOX: https://testapi.maxipago.net/UniversalAPI/postXML
PRODUÇÃO: https://api.maxipago.net/UniversalAPI/postXML

Categorização de transações card-on-file

Desde outubro de 2022, devido a mudanças regulatórias de bandeiras, as transações card-on-file da bandeira Mastercard passarão a ser categorizadas em 12 tipos de categorias CIT (Iniciadas pelo portador do cartão – Card Holder) e MIT (Iniciadas pelo estabelecimento – Merchant). Desde 1 de junho de 2023, a bandeira passou a monitorar o envio do campo, fique atento pois podem ocorrer ações de compliance.

O crescimento contínuo do comércio eletrônico, juntamente com o aumento dos tipos de transação, exige a necessidade de entender a intenção do consumidor. A introdução do indicador CIT ou MIT fornece transparência permitindo o uso para:

• Lógica de autorização do emissor
• Detecção de fraude
• Gestão de disputas

Por isso, é necessário realizar ajustes em sua integração com o e.Rede para envio do campo chamado “credentialId”, que fará parte do grupo “transactionCredentials”. Desse modo, quando storageCard for igual a 1 ou 2, indicando que o cartão está sendo ou já foi armazenado, será obrigatório indicar em qual categoria a transação card-on-file (credencial armazenada) está enquadrada.

O envio também deve ser feito em transações Zero Dollar que pretendem armazenar o cartão.

O envio deste campo passou a ser obrigatório para a operação Mastercard desde 01 de junho de 2023, e a partir de 01 de junho de 2024, a bandeira Mastercard poderá aplicar penalidades em caso de não conformidade dos estabelecimentos, referente ao período fora da norma. Entre os benefícios do envio do campo, está a capacidade de apoiar a bandeira e o emissor na análise de suas transações, o que pode ajudar na conversão. Os outros campos já utilizados atualmente para finalidades semelhantes como storageCard, subscription e installments, precisam continuar a ser populados.

Para o envio correto do campo Storage Card e Credential Id nas Transações 3DS Rede é necessário seguir tabela de parâmetros contida na Documentação do e.Rede:

Tabela de Categorização de transações card-on-file Rede

Cenário de Testes (Sandbox)

No ambiente de testes é possível simular a maioria das requisições e transações:

Cartões para Testes e Cenários (Sandbox)

3DS Fingerprint (Sale) – Exemplo de Requisição

Transação com 3DS 2.0

Para poder efetuar pagamentos via 3DS 2.0, o lojista deverá informar a maxiPago!, solicitar a ativação do serviço através da equipe suporte via e-mail (suporte@maxipago.com) e também informar a URL de postback (de sucesso e falha).  A estrutura das transações de 3DS 2.0 estão descritas abaixo:

Exemplo de Requisição Cenário Frictionless

O que caracteriza Credit é o tipo de cartão creditCard. Segue a requisição de exemplo:

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>{{merchantId}}</merchantId>
		<merchantKey>{{merchantKey}}</merchantKey>
	</verification>
	<order>
		<sale>
			<processorID>xx</processorID>
			<fraudCheck>N</fraudCheck>
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>07151-385</postalcode>
				<country>Brasil</country>
				<phone>(11)964780977</phone>
				<email>Fulano.silva@maxipago.com</email>
			</billing>
			<shipping>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11)964780323</phone>
				<email>Fulano.shin@maxipago.com</email>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5221834791042066</number>
						<expMonth>12</expMonth>
						<expYear>2030</expYear>
						<cvvNumber>999</cvvNumber>
						<storageCard>2</storageCard>
						<credentialId>02</credentialId>
					</creditCard>
				</payType>
			</transactionDetail>
			<payment>
				<currencyCode>BRL</currencyCode>
				<productType>Service</productType>
				<chargeTotal>9.00</chargeTotal>
				<softDescriptor>mx5</softDescriptor>
			</payment>
			<device>
				<colorDepth>1</colorDepth>
				<deviceType3ds>BROWSER</deviceType3ds>
				<javaEnabled>true</javaEnabled>
				<language>BR</language>
				<screenHeight>550</screenHeight>
				<screenWidth>550</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<customerIdExt>888.058.830-34</customerIdExt>
			<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
		</sale>
		<clientData>
			<comments>JavaPlugin v1.1</comments>
		</clientData>
	</order>
</transaction-request>

Exemplo de Retorno Frictionless

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>AC143C39:016AE9944D4F:B2BB:40E797DD</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709188</transactionID>
	<transactionTimestamp>1558722089</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>CAPTURED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>482481</creditCardBin>
	<creditCardLast4>0008</creditCardLast4>
	<errorMessage/>
	<processorTransactionID>120914</processorTransactionID>
	<processorReferenceNumber>544053</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Visa</creditCardScheme>
	<authenticated>Y</authenticated>
</transaction-response>

Exemplo de Requisição de Débito Frictionless

O que caracteriza Debit Sale é o nó debitSale e o tipo de cartão deve ser brigatoriamente debitCard.

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>{{merchantId}}</merchantId>
		<merchantKey>{{merchantKey}}</merchantKey>
	</verification>
	<order>
		<debitSale>
			<processorID>xx</processorID>
			<fraudCheck>N</fraudCheck>
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>07151-385</postalcode>
				<country>Brasil</country>
				<phone>(11) 964780433</phone>
				<email>fulano.silva@maxipago.com</email>
			</billing>
			<shipping>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua das Flores 22</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11) 964785345</phone>
				<email>fulano.silva@maxipago.com</email>
			</shipping>
			<transactionDetail>
				<payType>
					<debitCard>
						<number>5221834791042066</number>
						<expMonth>12</expMonth>
						<expYear>2030</expYear>
						<cvvNumber>999</cvvNumber>
						<storageCard>2</storageCard>
						<credentialId>02</credentialId>
					</debitCard>
				</payType>
			</transactionDetail>
			<payment>
				<currencyCode>BRL</currencyCode>
				<productType>Service</productType>
				<chargeTotal>9.00</chargeTotal>
				<softDescriptor>mx5</softDescriptor>
			</payment>
			<device>
				<colorDepth>1</colorDepth>
				<deviceType3ds>BROWSER</deviceType3ds>
				<javaEnabled>true</javaEnabled>
				<language>BR</language>
				<screenHeight>550</screenHeight>
				<screenWidth>550</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<customerIdExt>888.058.830-34</customerIdExt>
			<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
		</debitSale>
		<clientData>
			<comments>JavaPlugin v1.1</comments>
		</clientData>
	</order>
</transaction-request>

Exemplo de Requisição de Débito Frictionless

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>AC143C39:016B0E1DF9C9:6E8B:563DDDF7</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709529</transactionID>
	<transactionTimestamp>1559335085</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>CAPTURED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>482481</creditCardBin>
	<creditCardLast4>0008</creditCardLast4>
	<errorMessage/>
	<processorTransactionID>495708</processorTransactionID>
	<processorReferenceNumber>230679</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Visa</creditCardScheme>
	<authenticated>Y</authenticated>
</transaction-response>

Exemplo de Requisição Autorização Frictionless

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>{{merchantId}}</merchantId>
		<merchantKey>{{merchantKey}}</merchantKey>
	</verification>
	<order>
		<auth>
			<processorID>xx</processorID>
			<fraudCheck>N</fraudCheck>
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11) 964783233</phone>
				<email>fulano.silva@maxipago.com</email>
			</billing>
			<shipping>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11) 964780324</phone>
				<email>fulano.silva@maxipago.com</email>
			</shipping>
			<creditCard>
				<number>5221834791042066</number>
				<expMonth>12</expMonth>
				<expYear>2030</expYear>
				<cvvNumber>999</cvvNumber>
				<storageCard>2</storageCard>
				<credentialId>02</credentialId>
			</creditCard>
		</payType>
	</transactionDetail>
	<payment>
		<currencyCode>BRL</currencyCode>
		<productType>Service</productType>
		<chargeTotal>9.00</chargeTotal>
		<softDescriptor>mx5</softDescriptor>
	</payment>
	<device>
		<colorDepth>1</colorDepth>
		<deviceType3ds>BROWSER</deviceType3ds>
		<javaEnabled>true</javaEnabled>
		<language>BR</language>
		<screenHeight>550</screenHeight>
		<screenWidth>550</screenWidth>
		<timeZoneOffset>3</timeZoneOffset>
	</device>
	<customerIdExt>888.058.830-34</customerIdExt>
	<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>undefined

</auth>undefined

<clientData>
	<comments>JavaPlugin v1.1</comments>undefined

</clientData>undefinedundefinedundefined</order>undefinedundefinedundefined</transaction-request>

Exemplo Retorno e Autorização Frictionless

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>AC143C39:016B1F329266:A6D4:384FA4FE</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709648</transactionID>
	<transactionTimestamp>1559621645</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>AUTHORIZED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>482481</creditCardBin>
	<creditCardLast4>0008</creditCardLast4>
	<errorMessage/>
	<processorTransactionID>942933</processorTransactionID>
	<processorReferenceNumber>691815</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Visa</creditCardScheme>
	<authenticated>Y</authenticated>
</transaction-response>

Exemplo Requisição de Crédito Parcelado

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>{{merchantId}}</merchantId>
		<merchantKey>{{merchantKey}}</merchantKey>
	</verification>
	<order>
		<sale>
			<processorID>xx</processorID>
			<fraudCheck>N</fraudCheck>
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000postalcode>
					<country>Brasil</country>
					<phone>(11) 964320733</phone>
					<email>fulano.silvamaxipago.com</email>
				</billing>
				<shipping>
					<id>0</id>
					<name>Fulano</name>
					<address>Rua Pedro Luiz</address>
					<address2>Casa</address2>
					<city>Guarulhos</city>
					<state>SP</state>
					<postalcode>00000-000</postalcode>
					<country>Brasil</country>
					<phone>(11) 964783222</phone>
					<email>fulano.silva@maxipago.com</email>
				</shipping>
				<number>5221834791042066</number>
				<expMonth>12</expMonth>
				<expYear>2030</expYear>
				<cvvNumber>999</cvvNumber>
				<storageCard>2</storageCard>
				<credentialId>02</credentialId>
			</creditCard>
		</payType>
	</transactionDetail>
	<payment>
		<currencyCode>BRL</currencyCode>
		<productType>Service</productType>
		<chargeTotal>9.00</chargeTotal>
		<softDescriptor>mx5</softDescriptor>
		<creditInstallment>
			<numberOfInstallments>2</numberOfInstallments>
			<chargeInterest>N</chargeInterest>
		</creditInstallment>
	</payment>
	<device>
		<colorDepth>1</colorDepth>
		<deviceType3ds>BROWSER</deviceType3ds>
		<javaEnabled>true</javaEnabled>
		<language>BR</language>
		<screenHeight>550</screenHeight>
		<screenWidth>550</screenWidth>
		<timeZoneOffset>3</timeZoneOffset>
	</device>
	<customerIdExt>888.058.830-34</customerIdExt>
	<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
</sale>
<clientData>
	<comments>JavaPlugin v1.1</comments>
</clientData>undefinedundefined</order>undefinedundefined</transaction-request>

Exemplo Retorno de Crédito Parcelado

8"?>
<transaction-response>
	<authCode>123456</authCode>
	<orderID>AC143C39:016B1F38B2BE:CE0B:58EDFAF8</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709650</transactionID>
	<transactionTimestamp>1559622046</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>CAPTURED</responseMessage>
	<avsResponseCode>YYY</avsResponseCode>
	<cvvResponseCode>M</cvvResponseCode>
	<processorCode>A</processorCode>
	<processorMessage>APPROVED</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>482481</creditCardBin>
	<creditCardLast4>0008</creditCardLast4>
	<errorMessage/>
	<processorTransactionID>775300</processorTransactionID>
	<processorReferenceNumber>699315</processorReferenceNumber>
	<creditCardCountry>US</creditCardCountry>
	<creditCardScheme>Visa</creditCardScheme>
	<authenticated>Y</authenticated>
</transaction-response>

Exemplo Requisição Sale Fingerprint

Fingerprint , assim como os demais processos de Challenge, possuem um passo a mais, que é de uma interação com o dispositivo antes de verificar a autorização da transação. Fingerprint é escolhido de acordo com o cartão da requisição. Este processo lê o dispositivo do usuário e retorna um id. A partir disso, é retornado este fingerprintid de forma transparente e validado se é autorizado a fazer a transação.

<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>{{merchantId}}</merchantId>
		<merchantKey>{{merchantKey}}</merchantKey>
	</verification>
	<order>
		<sale>
			<processorID>xx</processorID>
			<fraudCheck>N</fraudCheck>
			<authentication>
				<mpiProcessorID>xxxx</mpiProcessorID>
				<onFailure>decline</onFailure>
				<challengePreference>NO_PREFERENCE</challengePreference>
			</authentication>
			<referenceNum>Order-001</referenceNum>
			<ipAddress>127.0.0.1</ipAddress>
			<billing>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11) 964780404</phone>
				<email>fuano.silva@maxipago.com</email>
			</billing>
			<shipping>
				<id>0</id>
				<name>Fulano</name>
				<address>Rua Pedro Luiz</address>
				<address2>Casa</address2>
				<city>Guarulhos</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>Brasil</country>
				<phone>(11) 964780404</phone>
				<email>fulano.silva@maxipago.com</email>
			</shipping>
			<transactionDetail>
				<payType>
					<creditCard>
						<number>5221834791042066</number>
						<expMonth>12</expMonth>
						<expYear>2030</expYear>
						<cvvNumber>999</cvvNumber>
						<storageCard>2</storageCard>
						<credentialId>02</credentialId>
					</creditCard>
				</payType>
			</transactionDetail>
			<payment>
				<currencyCode>BRL</currencyCode>
				<productType>Service</productType>
				<chargeTotal>9.00</chargeTotal>
				<softDescriptor>mx5</softDescriptor>
			</payment>
			<device>
				<colorDepth>1</colorDepth>
				<deviceType3ds>BROWSER</deviceType3ds>
				<javaEnabled>true</javaEnabled>
				<language>BR</language>
				<screenHeight>550</screenHeight>
				<screenWidth>550</screenWidth>
				<timeZoneOffset>3</timeZoneOffset>
			</device>
			<customerIdExt>888.058.830-34</customerIdExt>
			<userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
		</sale>
		<clientData>
			<comments>JavaPlugin v1.1</comments>
		</clientData>
	</order>
</transaction-request>

Exemplo Retorno Sale Fingerprint

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode/>
	<orderID>AC143C39:016B22589DDC:1A96:1F45DDD8</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709667</transactionID>
	<transactionTimestamp>1559674466</transactionTimestamp>
	<responseCode>0</responseCode>
	<responseMessage>ENROLLED</responseMessage>
	<avsResponseCode/>
	<cvvResponseCode/>
	<processorCode>Y</processorCode>
	<processorMessage>Cardholder is enrolled</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>400247</creditCardBin>
	<creditCardLast4>0736</creditCardLast4>
	<errorMessage/>
	<processorTransactionID>13982ff5-21c6-461e-9208-d50e7dc90b1f</processorTransactionID>
	<authenticationURL>http://localhost:8080/redirection_service/auth?ref=zKsqpGQTDwlrvVwqJ%2F%2BPZnVwzFjNN4xMBPIyf%2BuDRSm9pfx7FsBIBml9Z2nMW8owYdNmg%2FLHWoG9%0D%0AsuFyh%2BGjhw%3D%3D</authenticationURL>
	<creditCardScheme>Visa</creditCardScheme>
</transaction-response>

Exemplo Retorno de Cartão não autorizado no programa

A Mensagem retornada de um cartão não inscrito no programa 3DS é Cardholder is not enrolled e o responseMessage retorna DECLINED. Segue o resultado da requisição anterior:

<?xml version="1.0" encoding="UTF-8"?>
<transaction-response>
	<authCode/>
	<orderID>AC143C39:016B22E1A182:2036:5EC24116</orderID>
	<referenceNum>Order-001</referenceNum>
	<transactionID>709684</transactionID>
	<transactionTimestamp>1559658342503</transactionTimestamp>
	<responseCode>1</responseCode>
	<responseMessage>DECLINED</responseMessage>
	<avsResponseCode/>
	<cvvResponseCode/>
	<processorCode>N</processorCode>
	<processorMessage>Cardholder is not enrolled</processorMessage>
	<processorName>SIMULATOR</processorName>
	<creditCardBin>400000</creditCardBin>
	<creditCardLast4>0077</creditCardLast4>
	<errorMessage/>
	<creditCardScheme>Visa</creditCardScheme>
	<authenticated>N</authenticated>
</transaction-response>

Dados Device

Usar o device type, sempre como: BROWSER. Os demais dados serão preenchidos de acordo com o que o cliente estiver utilizando:

<device>
                <colorDepth>1</colorDepth>
                <deviceType3ds>BROWSER</deviceType3ds>
                <javaEnabled>true</javaEnabled>
                <language>BR</language>
                <screenHeight>550</screenHeight>
                <screenWidth>550</screenWidth>
                <timeZoneOffset>3</timeZoneOffset>
</device>

Tabela de Parâmetros – Dados Device

Exemplo de Requisição com MCC

<transaction-request>
    <version>3.1.1.15</version>
    <verification>
        <merchantId>storeId</merchantId>
        <merchantKey>storeKey</merchantKey>
    </verification>
    <order>
        <sale>
            <processorID>1</processorID>
            <fraudCheck>N</fraudCheck>
            <authentication>                
                <mpiProcessorID>41</mpiProcessorID>
                <onFailure>decline</onFailure>
                <challengePreference>NO_PREFERENCE</challengePreference>
            </authentication>
            <referenceNum>Order-001</referenceNum>
            <ipAddress>127.0.0.1</ipAddress>
            <billing>
                <id>0</id>
                <name>Cliente Gateway</name>
                <address>R. Volkswagen 1</address>
                <address2>Casa</address2>
                <city>Sao Paulo</city>
                <state>SP</state>
                <postalcode>04344-902</postalcode>
                <country>Brasil</country>
                <phone>(11)40044828</phone>
                <email>cliente.gateway@cliente.gateway</email>
            </billing>
            <shipping>
                <id>0</id>
                <name>Cliente Gateway</name>
                <address>R. Volkswagen 1</address>
                <address2>Casa</address2>
                <city>Sao Paulo</city>
                <state>SP</state>
                <postalcode>04344-902</postalcode>
                <country>Brasil</country>
                <phone>(11)40044828</phone>
                <email>cliente.gateway@cliente.gateway</email>
            </shipping>
            <transactionDetail>
                <payType>
                    <creditCard>
                        <number>5100010000000114</number>
                        <expMonth>04</expMonth>
                        <expYear>2024</expYear>
                        <cvvNumber>851</cvvNumber>
                        <storageCard>2</storageCard>
                        <credentialId>02</credentialId>
                    </creditCard>
                </payType>
            </transactionDetail>
            <payment>
                <currencyCode>BRL</currencyCode>
                <productType>Service</productType>
                <chargeTotal>9.00</chargeTotal>
                <softDescriptor>mx5</softDescriptor>
            </payment>
            <device>
                <colorDepth>1</colorDepth>
                <deviceType3ds>BROWSER</deviceType3ds>
                <javaEnabled>true</javaEnabled>
                <language>BR</language>
                <screenHeight>550</screenHeight>
                <screenWidth>550</screenWidth>
                <timeZoneOffset>3</timeZoneOffset>
            </device>
            <customerIdExt>888.058.830-34</customerIdExt>
            <userAgent>Mozilla/5.0 (Windows NT 6.1; WOW64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/49.0.2623.112 Safari/537.36</userAgent>
            <itemList itemCount="1">
                <item>
                    <itemIndex>1</itemIndex>
                    <itemDescription>Teste MCC</itemDescription>
                    <itemQuantity>1</itemQuantity>
                    <itemTotalAmount>1.00</itemTotalAmount>
                    <itemUnitCost>1.00</itemUnitCost>
                    <sellerMcc>0234</sellerMcc>
                </item>
            </itemList>
        </sale>
        <clientData>
            <comments>JavaPlugin v1.1</comments>
        </clientData>
    </order>
</transaction-request>

Exemplo de Requisição com Cartão Tokenizado

<?xml version="1.0" encoding="UTF-8"?>
<transaction-request>
	<version>3.1.1.15</version>
	<verification>
		<merchantId>xxxxx</merchantId>
		<merchantKey>zxxxxxxxxxxxx</merchantKey>
	</verification>
	<order>
		<auth>
			<processorID>1</processorID>
			<referenceNum>9839003839</referenceNum>
			<fraudCheck>N</fraudCheck>
			<ipAddress>192.168.0.10</ipAddress>
			<customerIdExt>46674194662</customerIdExt>
			<billing>
				<name>Nome do comprador</name>
				<address>Rua teste, 0</address>
				<address2>11º Andar</address2>
				<district>Santo André</district>
				<city>São Paulo</city>
				<state>SP</state>
				<postalcode>05455-000</postalcode>
				<country>BR</country>
				<phone>(99) 999999999</phone>
				<email>teste@maxipago.com</email>
				<companyName>maxiPago!</companyName>
				<type>Individual</type>
				<gender>M</gender>
				<birthDate>1990-05-25</birthDate>
				<phones>
					<phone>
						<phoneType>Commercial</phoneType>
						<phoneCountryCode>55</phoneCountryCode>
						<phoneAreaCode>92</phoneAreaCode>
						<phoneNumber>999999999</phoneNumber>
						<phoneExtension>123</phoneExtension>
					</phone>
					<phone>
						<phoneType>Mobile</phoneType>
						<phoneCountryCode>55</phoneCountryCode>
						<phoneAreaCode>99</phoneAreaCode>
						<phoneNumber>999999999</phoneNumber>
					</phone>
				</phones>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>123.456.789-00</documentValue>
					</document>
					<document>
						<documentType>RG</documentType>
						<documentValue>12.345.678-9</documentValue>
					</document>
				</documents>
			</billing>
			<shipping>
				<name>Nome do comprador</name>
				<address>Rua teste, 0</address>
				<address2>11º Andar</address2>
				<district>Santo André</district>
				<city>São Paulo</city>
				<state>SP</state>
				<postalcode>00000-000</postalcode>
				<country>BR</country>
				<phone>(99) 999999999</phone>
				<email>teste@maxipago.com</email>
				<type>Individual</type>
				<gender>M</gender>
				<birthDate>1990-05-25</birthDate>
				<phones>
					<phone>
						<phoneType>Commercial</phoneType>
						<phoneCountryCode>55</phoneCountryCode>
						<phoneAreaCode>92</phoneAreaCode>
						<phoneNumber>999999999</phoneNumber>
						<phoneExtension>123</phoneExtension>
					</phone>
					<phone>
						<phoneType>Mobile</phoneType>
						<phoneCountryCode>55</phoneCountryCode>
						<phoneAreaCode>99</phoneAreaCode>
						<phoneNumber>999999999</phoneNumber>
					</phone>
				</phones>
				<documents>
					<document>
						<documentType>CPF</documentType>
						<documentValue>123.456.789-00</documentValue>
					</document>
					<document>
						<documentType>RG</documentType>
						<documentValue>12.345.678-9</documentValue>
					</document>
				</documents>
			</shipping>
			<transactionDetail>
				<payType>
					<onFile>
						<customerId>89297869</customerId>
						<token>+c98djshfKvsNw=</token>
						<storageCard>2</storageCard>
						<credentialId>02</credentialId>
					</onFile>
				</payType>
			</transactionDetail>
			<payment>
				<chargeTotal>1.00</chargeTotal>
				<shippingTotal>1.00</shippingTotal>
				<currencyCode>BRL</currencyCode>
				<softDescriptor>mx5</softDescriptor>
				<creditInstallment>
					<numberOfInstallments>2</numberOfInstallments>
					<chargeInterest>N</chargeInterest>
				</creditInstallment>
			</payment>
			<itemList itemCount="1">
				<item>
					<itemIndex>1</itemIndex>
					<itemProductCode>Product de Teste Um</itemProductCode>
					<itemDescription>Certificacao de Integracao 01</itemDescription>
					<itemQuantity>1</itemQuantity>
					<itemTotalAmount>1.00</itemTotalAmount>
					<itemUnitCost>1.00</itemUnitCost>
				</item>
			</itemList>
		</auth>
	</order>
</transaction-request>

Veja aqui como tokenizar um cartão: https://www.maxipago.com/developers/apidocs/requisicoes-de-cadastro/salvar-um-cartao-na-base/

3DS – Tabela de Parâmetros de Envio

Importante: não utilize espaço ou caracteres especiais no SoftDescriptor, pois isso resultará em erros na autenticação da transação.

3DS – Tabela de Parâmetros de Retorno

Erros 1024 mais comuns

Postback

Assim que for feito o estímulo de pagamento, o lojista receberá em sua URL os parâmetros a seguir**:

3DS – Tabela de Parâmetros Postback

Exemplos:

Exemplo de URL cadastrada: https://maxipago.exemplo/retorno-sucesso

Exemplo de retorno com Sucesso: hp_responsemsg=AUTHORIZED&hp_processortxnid=251444&hp_transid=48836

Exemplo de retorno com Falha: Os erros serão os mesmo que apresentados no retorno de chamada via API: hp_responsemsg=UNAUTHORIZED&hp_processortxnid=545480780

**Para receber o Postback é preciso estar habilitado com o método POST.