Cardholder verification

This feature allows the Merchant to request end user verification from the Issuer at any time after a card is tokenized and, optionally, bound.

The objective of this feature is to give the Merchant a way to authenticate the end user. For example, the Merchant can use it after detecting suspicious activity on the end user account.

The following diagram shows a high-level flow and highlights the Issuer's involvement in the process.

High-level cardholder verification flow.

The diagram references Approve with step-up authentication.

This is the same flow used for Tokenization processing, with the following exceptions:

• The Customer service ID&V method is not supported.
• The In-app ID&V method can be supported through the D1 SDK. In particular, please refer to the section In app authentication for Visa CTF.