Home > Uncategorized > #3dsecure #VbV #SecureCode handling with @Cardinity in #PHP

#3dsecure #VbV #SecureCode handling with @Cardinity in #PHP


I recently got set up with Cardinity (A PSP), and I was learning their API using their PHP SDK at https://github.com/cardinity/cardinity-sdk-php/

When I moved from test to live, I discovered that the result of my card was not success or failed, but pending – because 3D secure was activated on the card. Otherwise known as Verified by Visa or Mastercard Securecode.

What happens, is that you need to capture the Securecode url by calling


and the data to be posted in the PaReq parameter by calling


You also need to have a TermUrl – i.e. your callback URL, and MD – Which I used for the payment ID parameters set.

Once you get your callback, then you need to pull out the MD and PaRes from the form data, I’ve put them into $MD and $PaRes variables respectively, then you call

require_once __DIR__ . ‘/vendor/autoload.php’;

use Cardinity\Client;
use Cardinity\Method\Payment;

$client = Client::create([
‘consumerKey’ => ‘…’,
‘consumerSecret’ => ‘…’,

$method = new Payment\Finalize($MD,$PaRes);
$payment = $client->call($method);
$serialized = serialize($payment);

… And you should get an object like the following back:

“id”: “……”,
“amount”: “10.00”,
“currency”: “EUR”,
“created”: “2018-04-12T14:28:40Z”,
“type”: “authorization”,
“live”: true,
“status”: “approved”,
“order_id”: “1234”,
“description”: “test”,
“country”: “GB”,
“payment_method”: “card”,
“card_brand”: “MasterCard”,
“pan”: “….”,
“exp_year”: 2021,
“exp_month”: 9,
“holder”: “Joe Bloggs”

Once this code is finished up, we will replace the paypal option on AvatarAPI.com to this Cardinity interface

Categories: Uncategorized
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