The 3D pre-authorization transaction allows the balance to be blocked on the card, for the amount you specify, together with 3D Secure authentication, for a payment you wish to make via Tami.
The transaction consists of two steps: first you initiate the 3D pre-authorization transaction; when you decode the signedResponse value returned as a result of this step, you obtain the HTML content (content) contained within it. You decode this content from Base64 and redirect your customer to the resulting HTML page; after the customer enters the authentication code, the 3D authentication result is determined.
If the authentication is successful, you must call the completion service for the 3D pre-authorization transaction in order to complete the payment transaction. To collect the blocked amount, you need to call the “Pre-Authorization Capture” service within the blocking period.
Before going live with your integration, you can use the Tami Test Portal to test without creating any real money movement.
Test Portal address: https://sandbox-portal.tami.com.tr
If you would like to log in to the test portal to view your transactions and perform cancellations/refunds when needed, a dedicated test portal user must be defined for you. You can reach our support team for this at TeknikDestek@tami.com.tr.
Prod Portal address: https://portal.tami.com.tr
For your production environment credentials, you can register via this address or contact our ecommerce support team.
Two different environments are used when integrating with Tami’s APIs: Sandbox (Test) and Prod (Production).
This lets you test your integration without creating any real money movement. Your requests are sent to the test endpoints and can be tracked via the Tami Test Portal above.
Below are the credentials you can use to send a test request via the API in the sandbox environment:
| Field | Value |
|---|---|
| Merchant Number | 77006950 |
| Terminal Number | 84006953 |
| Secret Key | 0edad05a-7ea7-40f1-a80c-d600121ca51b |
This is the environment where live transactions take place and real payments are collected.
For your production environment credentials, you can register via https://portal.tami.com.tr or contact our e-commerce support team.
For requests sent to Virtual POS services, the PG-Auth-Token field must be included in the header.
The PG-Auth-Token is generated in the following format:
The Hash value is generated by concatenating your Merchant Number, Terminal Number, and Secret Key (in that order), hashing the result with the SHA-256 algorithm, and converting the result to Base64 format.
Below is a sample Java code block demonstrating this calculation:
You can generate the PG-Auth-Token header value by combining the Hash value you generated with your Merchant Number and Terminal Number in the format above.
This is the first step of a 3D pre-authorization transaction. For security purposes, the information in your request is not transmitted to Tami in plain form at this step either; the request, which includes all information along with your merchant’s callbackUrl address, is signed, encrypted, and sent in the signedRequest field.
The response returned as a result of the transaction is likewise encrypted and delivered in the signedResponse field. When you decode the signedResponse value, you obtain the HTML content (content) contained within it; you decode this content from Base64 and redirect your customer to the resulting HTML page. The customer enters the authentication code here, and the 3D authentication result is determined.
The endpoint information to be used for initiating the 3D pre-authorization transaction is below:
| Environment | Endpoint |
|---|---|
| Test (Sandbox) | https://sandbox-paymentapi.tami.com.tr/api/v0/payment/pre-auth |
| Production (Prod) | https://paymentapi.tami.com.tr/api/v0/payment/pre-auth |
You must send your requests using the POST method to the endpoint appropriate for the environment you are working in (test/production).
When initiating the 3D pre-authorization transaction as well, the values in the body of the request sent are not expected to be transmitted in plain form; instead, a single signed and encrypted value is expected. This value is sent in the signedRequest field.
The response returned by Tami is likewise signed and encrypted, and is delivered in the signedResponse field.
In addition, the following information must also be sent in the header:
For 3D pre-authorization transactions, the values in the request body are not sent in plain form; the encrypted value is sent in the signedRequest field.
The signedRequest value is obtained by encrypting a request constructed from the fields listed in the table below. If any field marked as mandatory (M) is missing or sent incorrectly, the transaction will result in an error.
The fields to be included in signedRequest, along with their rules, are specified in the table below:
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| orderId | String | (2-36) | M | A unique communication identifier used in the communication between Tami and the customer for the payment request. This value must be unique for the merchant and POS pair. The orderId field may contain alphanumeric characters along with only the ‘-’ and ‘’ characters. However, it must not contain consecutive ‘-’ or ‘’ characters. |
| amount | Decimal | M | The transaction amount. The decimal separator must be a period (.). | |
| currency | String | 3 | M | Indicates the currency code of the transaction. Example: TRY must be sent for Turkish Lira. |
| installmentCount | Number | M | The installment information for the transaction to be made. For a single-payment transaction, 1 must be sent. Sending 0 is not accepted. | |
| paymentGroup | String | M | Payment group; default is PRODUCT. | |
| paymentChannel | enum | O | Payment channel. Valid values are provided within the enum: WEB, MOBILE, MOBILE_WEB, MOBILE_IOS, MOBILE_ANDROID, MOBILE_WINDOWS, MOBILE_TABLET, MOBILE_PHONE | |
| callbackUrl | String | C | Mandatory if the transaction is to be performed as 3D. This is the address to which the 3D authentication result will be returned. It must be an address belonging to the merchant. | |
| card | Object | M | Contains the details of the card used for the payment (cardholder name, card number, expiry month/year, and CVV). | |
| billingAddress | Object | O | Contains the billing address details. If provided, it is stored as the billing address in the transaction record. | |
| shippingAddress | Object | O | Contains the delivery address details. It is recommended to send this field for orders that require physical delivery. | |
| buyer | Object | M | Contains information about the buyer on the merchant side. | |
| basket | Object | O | Contains the basket details of the order, namely the list of purchased items and their details. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| cvv | String | M | The security code of the card from which payment will be collected. | |
| expireMonth | Number | (1-12) | M | The expiration month of the card from which payment will be collected. |
| expireYear | Number | 4 | M | The expiration year of the card from which payment will be collected. |
| holderName | String | 30 | M | The name and surname of the cardholder of the card from which payment will be collected. |
| number | String | (5-35) | M | The number of the card from which payment will be collected. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| address | String | 400 | O | The merchant’s billing address information. |
| emailAddress | String | O | The merchant’s email information | |
| city | String | 30 | O | The city information for the merchant’s billing address. |
| companyName | String | 100 | O | The merchant’s trade name information. |
| country | String | 50 | O | The country information for the merchant’s billing address. |
| contactName | String | 30 | O | The name and surname information for the merchant’s billing address. |
| phone | String | O | The mobile number of the recipient on the merchant side. | |
| zipCode | String | 15 | O | The postal code of the merchant’s billing address. |
| district | String | 50 | O | The district information of the merchant’s billing address. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| address | String | 400 | O | The merchant’s shipping address information. |
| emailAddress | String | O | The merchant’s email information | |
| city | String | 30 | O | The city information for the merchant’s shipping address. |
| country | String | 50 | O | The country information for the merchant’s shipping address. |
| contactName | String | 30 | O | The name and surname information for the merchant’s shipping address. |
| zipCode | String | 15 | O | The postal code information of the merchant’s shipping address. |
| district | String | 50 | O | The district information of the merchant’s shipping address. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| ipAddress | String | M | The IP address of the buyer on the merchant side. The buyer’s actual IP address must be transmitted. | |
| buyerId | String | 50 | M | The buyer’s ID information on the merchant side. |
| name | String | 30 | M | The buyer’s first name information on the merchant side. |
| surName | String | 30 | M | The buyer’s surname information on the merchant side. |
| identityNumber | String | 11 | O | The buyer’s identity (national ID) number on the merchant side. |
| city | String | 50 | O | The buyer’s city information on the merchant side. |
| country | String | 50 | O | The buyer’s country information on the merchant side. |
| emailAddress | String | M | The buyer’s email information on the merchant side. The email address must be a valid and reachable address belonging to the buyer. | |
| phoneNumber | String | M | The buyer’s mobile number on the merchant side | |
| registrationAddress | String | 400 | O | The buyer’s registration address on the merchant side. |
| zipCode | String | 15 | O | The buyer’s postal code on the merchant side. |
| registrationDate | Date | O | The buyer’s registration date on the merchant side. The date format must be in the form 2015-09-17 23:45:06. | |
| lastLoginDate | Date | O | The buyer’s last login date on the merchant side. The date format must be in the form 2015-09-17 23:45:06. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| basketId | String | 50 | C | The ID of the basket on the merchant side. If an item is sent within the basket, sending basketId becomes mandatory. |
| Parameter Name | Format | Length | O/M/C | Description |
|---|---|---|---|---|
| itemId | String | 50 | C | The ID of the item in the basket on the merchant side. If an item is sent within the basket, sending itemId becomes mandatory. |
| itemType | String | 50 | C | The type of the item in the basket on the merchant side. Valid enum values: PHYSICAL and VIRTUAL. If an item is sent within the basket, sending itemType becomes mandatory. |
| name | String | 50 | C | The name of the item in the basket on the merchant side. If an item is sent within the basket, sending name becomes mandatory. |
| category | String | 50 | O | The category of the item in the basket on the merchant side. |
| subCategory | String | 100 | O | The subcategory of the item in the basket on the merchant side. |
| unitPrice | Decimal | min 0.0 | O | The unit price of the item in the basket on the merchant side. |
| totalPrice | Decimal | min 0.0 | C | The total price of the item in the basket on the merchant side. It cannot be 0 or less than 0; the sum of the amounts must equal the basket amount (amount). UnitPrice * numberOfProducts must equal totalPrice. If an item is sent within the basket object, sending totalPrice becomes mandatory. |
| numberOfProducts | Number | 1-99999 | O | The quantity of the item in the basket on the merchant side. |
For security purposes, information in requests sent by merchants is not sent in plain form. Instead, the request body is expected to contain the signedRequest value, which is generated by signing and encrypting a request built according to the fields requested by Tami.
For a detailed explanation of the signedRequest generation steps and code samples, please see the Generating the Request Token (signedRequest) page.
The signedRequest value above has been shortened for example/test purposes. A real request contains a much longer JWE (encrypted token) value.
Response for a successful transaction:
When the transaction is successful, the response delivered by Tami contains only the signedResponse field. All other fields listed in the table below (success, systemTime, correlationId, orderId, amount, card information, threeDSHtmlContent, etc.) are not present in plain form in this case — all of them are carried in encrypted form inside the signedResponse field. You can only access these fields once the signedResponse value has been decoded. The decoding steps are described in the next heading.
When the transaction is unsuccessful, signedResponse is not returned at all; in this case success, systemTime, correlationId, errorCode, errorMessage, and errorGroup fields are returned directly in plain form.
| Parameter Name | Format | Where It Appears | Description |
|---|---|---|---|
| success | String | Inside signedResponse (plain if transaction unsuccessful) | If True, the transaction was successful; if False, an error was received. Error details are shared in the errorCode and errorMessage fields. |
| systemTime | dateTime | Inside signedResponse (plain if transaction unsuccessful) | Indicates the date and time the response was generated by Tami. |
| correlationId | String | Inside signedResponse (plain if transaction unsuccessful) | Transaction number |
| transactionDate | dateTime | Inside signedResponse | Indicates the date and time the transaction took place. |
| orderId | String | Inside signedResponse | Order number |
| amount | Number | Inside signedResponse | Transaction amount |
| currency | String | Inside signedResponse | Transaction currency |
| installmentCount | Number | Inside signedResponse | Number of installments for the transaction |
| card/binNumber | String | Inside signedResponse | First 8 digits of the card |
| card/maskedNumber | String | Inside signedResponse | Masked card number |
| card/cardBrand | String | Inside signedResponse | Card brand |
| card/cardOrganization | String | Inside signedResponse | Card organization |
| card/cardType | String | Inside signedResponse | Card type |
| threeDSHtmlContent | String | Inside signedResponse | The HTML content that will redirect to the 3D authentication page. The content is obtained as HTML by decoding it from Base64. |
| errorCode | String | Plain (only when success:false) | Error code |
| errorMessage | String | Plain (only when success:false) | Error message |
| errorGroup | String | Plain (only when success:false) | Indicates the group of the relevant error. Merchants can manage their own rules by making use of the error code and error groups. |
Through the HTML content obtained as a result of the 3D pre-authorization transaction initiation step, the cardholder is shown the 3D authentication screen belonging to their card’s issuing bank. After the cardholder enters the password sent to their mobile phone, the authentication result is POSTed by Tami to the address you specified in the callbackUrl parameter.
A successful 3D authentication does not mean that an amount has yet been blocked on the card. When the success field returned in the response is true, you must call the 3D pre-authorization transaction completion service, which is the next step, in order to block the balance. No blocking takes place on the card until this step is completed.
For the purpose of ensuring transaction security, Tami adds a hashedData value to this callback response. You must recalculate this value on your own side using the method described under the “HashedData Calculation” heading below, and compare it with the value delivered by Tami.
When the value you calculate matches the hashedData value delivered by Tami, it is confirmed that the relevant response is secure and came from the correct source, and you can proceed to the 3D completion step. Performing this verification and confirming transaction security is the merchant’s responsibility.
If the mdStatus value returned in the authentication response is 2, 3, or 4, the transaction has been authenticated by the bank as half secure. For these transactions, it is the merchant’s responsibility to decide whether to proceed to the 3D completion step; the merchant may send the completion request if they wish to proceed with the transaction.
Note: This step is not a request going to the Tami API, but a notification coming from the bank to the merchant. For this reason, it falls outside the signedRequest / signedResponse and PG-Auth-Token mechanism; the parameters below and the hashedData calculation remain unchanged.
| Parameter Name | Format | Description |
|---|---|---|
| cardBrand | String | Card brand |
| cardOrganization | String | Card organization |
| cardType | String | Card type |
| currencyCode | String | Transaction currency |
| hashedData | String | The value to be used to verify the integrity of the information returned in the response |
| hashParams | String | Conveys the information and order of the parameters that make up the hashedData value. The order specified in this field must be used when calculating hashedData. |
| installmentCount | Number | Number of installments for the transaction |
| maskedNumber | Number | The card number in masked form |
| mdStatus | String | The mdStatus value returned for informational purposes. It can be returned as 1 for successful cases, 2, 3, or 4 for half secure cases, and 0, 5, 6, 7, or 8 for unsuccessful cases. |
| orderId | String | Order number |
| success | String | Reports the outcome of the 3D authentication performed. Returns true if the transaction was successful, false if it was erroneous. |
| systemTime | DateTime | Transaction date |
| txnAmount | Number | Transaction amount |
If the success field returned in the 3D Authentication response is false, the table below will help regarding the cause of the error.
| mdStatus | Description |
|---|---|
| mdStatus = 0 | The 3-D Secure signature is invalid or authentication failed |
| mdStatus = 2 | Cardholder or their bank is not enrolled in the system |
| mdStatus = 3 | The card’s issuing bank is not enrolled in the system |
| mdStatus = 4 | Authentication attempt; the cardholder has chosen to enroll in the system at a later time |
| mdStatus = 5 | Authentication cannot be performed |
| mdStatus = 6 | 3-D Secure error |
| mdStatus = 7 | System error |
| mdStatus = 8 | Unknown card number |
The response returned to the callbackUrl value after 3D authentication contains the hashedData and hashParams fields. You must verify this hash to ensure that the response genuinely came from Tami and was not altered in transit.
In brief, the process works as follows: the hashParams value returned in the response is parsed by the + character to obtain the field names. Then, the corresponding value in the response for each field name is concatenated, in the order given in hashParams, to form the hashItems text (the values are concatenated, not the field names; an empty string is used instead of an empty value). Finally, this text is passed through the HMAC-SHA256 algorithm using the terminal’s secretKey value and encoded in Base64, and the resulting value is compared with the hashedData in the response. If the values match, it means the integrity of the response has been verified; if they do not match, the transaction should be examined.
Note: For single-payment transactions, the installmentCount information is expected to be sent as 1. If this information is present in hashParams, it is also added to hashItems.
Because the field order is not fixed, if Tami adds or removes a field in hashParams in the future, you do not need to change your calculation logic; it is sufficient to always base it on the order returned in the hashParams field in the response.
Verification is performed in the following 3 steps:
The hashParams value returned in the response is parsed by the + character. An example hashParams value:
For each parsed field name, the corresponding value in the response is appended in the same order (an empty string is used if a value is absent).
The resulting text is passed through HMAC-SHA256 using the terminal secretKey value, and the result is encoded in Base64. The resulting value must match the hashedData in the response:
If it matches, the integrity of the response has been verified and you may proceed with the transaction. If it does not match, the response should not be processed, and you should contact the support team.
You must call this service to block the balance on a transaction with successfully completed 3D authentication. If this service is not called and the transaction is not completed, no amount will have been blocked on the card. Once the balance has been blocked, you must call the “Pre-Authorization Capture” service for collection.
The endpoint information to be used for completing the 3D pre-authorization transaction is below:
| Environment | Endpoint |
|---|---|
| Test (Sandbox) | https://sandbox-paymentapi.tami.com.tr/api/v0/payment/complete-3ds |
| Production (Prod) | https://paymentapi.tami.com.tr/api/v0/payment/complete-3ds |
You must send your requests using the POST method to the endpoint appropriate for the environment you are working in (test/production).
When completing the 3D pre-authorization transaction as well, the values in the body of the request sent are not expected to be transmitted in plain form; instead, a single signed and encrypted value is expected. This value is sent in the signedRequest field.
The response returned by Tami is likewise signed and encrypted, and is delivered in the signedResponse field.
In addition, the following information must also be sent in the header:
When completing the 3D pre-authorization transaction, the values in the request body are not sent in plain form; the encrypted value is sent in the signedRequest field.
The signedRequest value is obtained by encrypting a request constructed from the field listed in the table below. If the field marked as mandatory (M) is missing or sent incorrectly, the transaction will result in an error. Abbreviations: (O) Optional, (M) Mandatory.
| Field | Format | Length | O/M | Description |
|---|---|---|---|---|
| orderId | String | (2-36) | M | The order number information for which 3D authentication has been successfully completed. |
The signedRequest value above has been shortened for example/test purposes. A real request contains a much longer JWE (encrypted token) value.
Response for a successful transaction:
When the transaction is successful, the response delivered by Tami contains only the signedResponse field. All other fields listed in the table below (success, systemTime, correlationId, orderId, amount, card information, etc.) are not present in plain form in this case — all of them are carried in encrypted form inside the signedResponse field. You can only access these fields once the signedResponse value has been decoded. The decoding steps are described in the next heading.
When the transaction is unsuccessful, signedResponse is not returned at all; in this case success, systemTime, correlationId, errorCode, errorMessage, and errorGroup fields are returned directly in plain form.
| Parameter Name | Format | Where It Appears | Description |
|---|---|---|---|
| success | String | Inside signedResponse (plain if transaction unsuccessful) | If True, the transaction was successful; if False, an error was received. Error details are shared in the errorCode and errorMessage fields. |
| systemTime | dateTime | Inside signedResponse (plain if transaction unsuccessful) | Indicates the date and time the response was generated by Tami. |
| correlationId | String | Inside signedResponse (plain if transaction unsuccessful) | Transaction number |
| transactionDate | dateTime | Inside signedResponse | Indicates the date and time the transaction took place. |
| orderId | String | Inside signedResponse | Order number |
| amount | Number | Inside signedResponse | Transaction amount |
| currency | String | Inside signedResponse | Transaction currency |
| installmentCount | Number | Inside signedResponse | Number of installments for the transaction |
| card/binNumber | String | Inside signedResponse | First 8 digits of the card |
| card/maskedNumber | String | Inside signedResponse | Masked card number |
| card/cardBrand | String | Inside signedResponse | Card brand |
| card/cardOrganization | String | Inside signedResponse | Card organization |
| card/cardType | String | Inside signedResponse | Card type |
| errorCode | String | Plain (only when success:false) | Error code |
| errorMessage | String | Plain (only when success:false) | Error message |
| bankAuthCode | String | Inside signedResponse | Bank authorization code |
| bankReferenceNumber | String | Inside signedResponse | Retrieval reference number (RetRef) for the transaction |
| errorGroup | String | Plain (only when success:false) | Indicates the group of the relevant error. Merchants can manage their own rules by making use of the error code and error groups. |
The steps required to decode the value delivered in the signedResponse field in order to access the parameters above will be provided in this section.
For a detailed explanation of the decoding steps and code samples, please see the Decoding the Response Token (signedResponse) page.
Below are links to code samples written in various programming languages. Through the link for your preferred programming language, you can examine in detail code written with pre-defined example values.
These samples contain code covering the relevant transaction type, and since they are written in different languages, it is also possible to observe various approaches and practices. This gives you the opportunity to work with clearer and more authentic examples suited to your preferred programming language.
Please note that these samples are written with pre-defined values, and the necessary adaptation and security measures may need to be taken for their use in real projects.
You can access the list of error codees on this page.
You can access the list of test cards on this page.