What happens if merchant is not sending V2 mandatory fields?

This situation is only possible if you are integrated via DirectLink only (Merchant own page / FlexCheckOut), as in PostFinance hosted payment page page, PostFinance is collecting the mandatory data.

First of all, PostFinance will identifiy the flow to be directed to v1 or v2 based on the card numbers.

If the card is enrolled V2, there are the following possible scenarios:

Mandatory data:

  • If the wrong data is passed, transaction is blocked
  • If some data is missing, PostFinance will direct your transaction to v1 flow
  • If no data is passed, transaction is NOT blocked but diverted to flow v1

Recommended or optional data:

  • if no data is passed, transaction is NOT blocked, but cannot benefit from exemption.