Knowledge Based Authentication (KBA)
Customers verify transactions by answering knowledge-based questions. Issuers can choose which methods to make available for customers.
Mobile In-App Native
View PDF of screens seen in this full flow here
UX Elements
| Element |
Code/Requirement |
CSS Styles |
|---|---|---|
| Challenge Info Header Confirmation of Payment prior to Authentication |
The page must display the headline Let’s make sure it’s you above the Challenge Info text. |
|
Challenge Info Text
|
This text must include the following language: Let’s make sure it’s you. Verify payment to {Merchant name} for {purchase amount} by answering {X} security questions. The merchant name, purchase currency, & purchases amount as included in the AReq message. It is recommended to ask a minimum of 2 security questions. |
|
| Challenge Info Header Challenge Page |
The page must display the headline Let’s make sure it’s you above the Challenge Info text. |
|
| Challenge Info Text | The display name for this field must be {Question X of X} and {the actual Question} |
|
| Challenge Info Label If not a multiple choice question |
The display name for this field must be ‘Your Answer’. |
|
Challenge Info Data Entry If not a multiple choice question |
Input Box |
|
Challenge Info Label For multiple choice question |
The display name for this field must be ‘Please select all that apply’. |
|
Challenge Info Data Entry For multiple choice question |
Multiple Check boxes |
|
| Submit Authentication Label |
A form element that should align with the center of the bottom margin displaying “Submit”. |
|
| Why Information Label |
Display the Why Information Label as a graphical control element that can be expanded. The display name for this field must be ‘Need Help?’. |
|
| Why Information Text |
Display the Why Information Text only when the user selects the “Need Help? Label”. Text provided by the Issuer to be displayed to the cardholder to explain why the cardholder is being asked to perform the authentication task. |
|
Desktop Browser
UX Elements
Element |
Accessibility Guidelines - Checkbox |
|---|---|
Logo |
|
Checkbox selected |
|
Checkbox group |
|
Submit Authentication Label |
|
Why Information Label |
|
Error Flow - Verification Failed
UX Elements
| Element |
Content/Requirement |
CSS Styles |
|---|---|---|
| Error Message Headline |
The page must display the headline Verification Failed |
|
| Error Message Text |
Oops! One or more answers you entered do not math our records. Please try again. |
|
| Submit Authentication Label |
A form element that should align with the center of the bottom margin displaying “Go Back”. |
|
Legal Disclaimer
Important Information on Copyright and Disclaimers
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Note: This document is not part of the Visa Core Rules and Visa Product and Service Rules. In the event of any conflict between any content in this document, any document referenced herein, any exhibit to this document, or any communications concerning this document, and any content in the Visa Core Rules and Visa Product and Service Rules, the Visa Core Rules and Visa Product and Service Rules shall govern and control.
Note: Please note that the screens are for illustrative purpose only.
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