'Check Google pay's authentication mode

I'd like to set my Google pay to accept both authentication modes: "PAN_ONLY" and "CRYPTOGRAM_3DS". Then, during transaction flow, when I get the token, before I process the transaction - how can I check which authentication mode was applied by google out of the 2 without decrypting the token?

Why I want to do that:

  1. if it's was tokenized in a 'PAN_ONLY' mode, I need to run 3DSecure myself, before processing the transaction
  2. if it's 'CRYPTOGRAM_3DS' it means that the token is in DPAN mode and then I'd like to decrypt it (as a merchant)
google-pay3d-securestrong-customer-authentication


Solution 1:[1]

how can I check which authentication mode was applied by google out of the 2 without decrypting the token?

You can request this information in the request with the CardParameters. assuranceDetailsRequired parameter. It will be returned as part of the CardInfo.assuranceDetails response.

if it's was tokenized in a 'PAN_ONLY' mode, I need to run 3DSecure myself, before processing the transaction

From https://developers.google.com/pay/api/web/reference/response-objects#assurance-details-specifications

Note: If both cardHolderAuthenticated and accountVerified are true, you don’t need to step up the returned credentials. If both aren’t, we recommend you to run the same risk checks and , authentication including 3D Secure flow if applicable.

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Source: Stack Overflow

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