---
updatedAt: 2026-07-06T22:14:49.000Z
agentTools:
  siteIndex: https://developers.pismo.io/llms.txt
  projectIndex: https://developers.pismo.io/pismo-docs/llms.txt
---

# Issuer’s endpoint to handle VCAs initiate action flow

Informs the issuer about the initiate action flow in the VCAS process.

# OpenAPI definition

```json
{
  "openapi": "3.1.1",
  "info": {
    "title": "Card issuing - 3DS authentication",
    "description": "3DS API endpoint documentation",
    "contact": {
      "name": "API Support",
      "url": "https://developers.pismo.io/support/"
    },
    "license": {
      "name": "Copyright Pismo"
    },
    "version": "1.0.0"
  },
  "servers": [
    {
      "url": "https://api-sandbox.pismolabs.io/3ds-acs",
      "description": "Sandbox API server for testing"
    }
  ],
  "tags": [
    {
      "name": "VCAS",
      "description": "Endpoints to provide integration with VCAS"
    }
  ],
  "components": {
    "schemas": {
      "AccountV2": {
        "type": "object",
        "properties": {
          "id": {
            "$ref": "#/components/schemas/AccountID"
          },
          "document_number": {
            "$ref": "#/components/schemas/DocumentNumber"
          },
          "phones": {
            "type": "array",
            "items": {
              "$ref": "#/components/schemas/StructuredPhone"
            }
          },
          "email": {
            "$ref": "#/components/schemas/Email"
          }
        }
      },
      "AccountID": {
        "type": "integer",
        "description": "Pismo account ID",
        "example": 10045896
      },
      "Card": {
        "type": "object",
        "properties": {
          "id": {
            "$ref": "#/components/schemas/CardID"
          },
          "mode_id": {
            "$ref": "#/components/schemas/CardModeID"
          },
          "type": {
            "$ref": "#/components/schemas/CardType"
          },
          "hash": {
            "$ref": "#/components/schemas/PANhash"
          },
          "bin": {
            "$ref": "#/components/schemas/CardBIN"
          },
          "last_four_digits": {
            "$ref": "#/components/schemas/CardLast4Digits"
          }
        }
      },
      "CardBIN": {
        "type": "string",
        "description": "Card BIN (Bank Identification Number)",
        "example": "885692"
      },
      "CardID": {
        "type": "integer",
        "description": "Card ID",
        "example": 869572
      },
      "CardLast4Digits": {
        "type": "string",
        "description": "Card last four PAN digits",
        "example": "0153"
      },
      "CardModeID": {
        "type": "integer",
        "description": "Card mode ID",
        "example": 102
      },
      "CardType": {
        "type": "string",
        "description": "Card type",
        "enum": [
          "PLASTIC",
          "VIRTUAL",
          "RECURRING",
          "TEMPORARY"
        ],
        "example": "PLASTIC"
      },
      "Customer": {
        "type": "object",
        "properties": {
          "id": {
            "$ref": "#/components/schemas/CustomerID"
          }
        }
      },
      "CustomerID": {
        "type": "number",
        "description": "Customer ID",
        "example": 867604
      },
      "DocumentNumber": {
        "type": "string",
        "description": "Cardholder document number. A government document number, such as a Social Security number (US) or Cadastro de Pessoas Físicas number (Brazil).",
        "example": "00011122233"
      },
      "Email": {
        "type": "string",
        "description": "E-mail",
        "example": "ho_lee_smokes@gmail.com"
      },
      "VCASInitiateActionRequest": {
        "type": "object",
        "required": [
          "id",
          "provider",
          "type",
          "card",
          "account",
          "customer",
          "program",
          "raw_provider"
        ],
        "properties": {
          "id": {
            "$ref": "#/components/schemas/PismoAuthID"
          },
          "provider": {
            "type": "string",
            "description": "Third-party provider name",
            "enum": [
              "VCAS"
            ],
            "example": "VCAS"
          },
          "type": {
            "type": "string",
            "description": "The type of operation to be performed.",
            "enum": [
              "INITIATE_ACTION_CALL"
            ],
            "example": "INITIATE_ACTION_CALL"
          },
          "card": {
            "$ref": "#/components/schemas/Card"
          },
          "account": {
            "$ref": "#/components/schemas/AccountV2"
          },
          "program": {
            "$ref": "#/components/schemas/Program"
          },
          "customer": {
            "$ref": "#/components/schemas/Customer"
          },
          "raw_provider": {
            "$ref": "#/components/schemas/RawProvider"
          }
        },
        "example": {
          "id": "ff77635e-1cd6-4fda-992d-5ceb71d75644",
          "provider": "VCAS",
          "type": "INITIATE_ACTION_CALL",
          "card": {
            "id": 869572,
            "mode_id": 102,
            "type": "PLASTIC",
            "hash": "WEPvOQuZvjfYEd0iBmr43bhWyOsylIsW95ebYrLD89App2iEq9IizP+8w73pxKQ4mI47EdhzYHF9RfXjrBOyug==",
            "bin": "885692",
            "last_four_digits": "0153"
          },
          "account": {
            "id": 10045896,
            "document_number": "00011122233",
            "phones": [
              {
                "area_code": "31",
                "country_code": "55",
                "number": "998675309",
                "type": "mobile"
              }
            ],
            "email": "ho_lee_smokes@gmail.com"
          },
          "program": {
            "id": 986
          },
          "customer": {
            "id": 867604
          },
          "raw_provider": {
            "ProcessorId": "5723ae630063ac1a9c3ab079",
            "IssuerId": "5723ae630063ac1a9c3ab654",
            "TransactionId": "00ec043e-40b5-4ce4-95c2-9e83b644f412",
            "DSTransactionId": "00ec043e-40b5-4ce4-95c2-9e83b644f258",
            "ThreeDSRequestorAuthenticationInd": "01",
            "StepupRequestId": "878f4751-4140-4881-9e4a-003e83524f22",
            "MessageVersion": "2.2.0",
            "RDXMessageVersion": "2.2.3",
            "MessageCategory": "01",
            "MerchantInfo": {
              "AcquirerId": "1337",
              "AcquirerCountryCode": "840",
              "MerchantId": "876543210",
              "MerchantName": "Ranier Expeditions",
              "MerchantURL": "https://www.requestor.com",
              "MerchantCategoryCode": "0123",
              "MerchantCountryCode": "840",
              "MerchantAppRedirectURL": "merchantScheme://appName?transID=b2385523-a66c-4907-ac3c-91848e8c0067"
            },
            "TransactionInfo": {
              "TransactionCurrency": "840",
              "Channel": "WEB"
            }
          }
        }
      },
      "VCASInitiateActionResponse": {
        "type": "object",
        "properties": {
          "raw_response": {
            "type": "object",
            "description": "Raw response to VCAS InitiateAction request, according with VCAS documentation.",
            "example": {
              "ProcessorId": "7723ae630063ac1a9c3ab07976",
              "IssuerId": "5723ae630063ac1a9c3ab080",
              "TransactionId": "00ec043e-40b5-4ce4-95c2-9e83b644f412",
              "StepupRequestId": "00ec043e-40b5-4ce4-95c2-9e83b644f412",
              "StepupType": "OTP",
              "Language": "string",
              "Status": "SUCCESS",
              "TransStatusReason": "string",
              "RiskIndicator": "string",
              "Credentials": [
                {
                  "Id": "d94fd3fd-bef1-49cb-88ab-a6841261cea9",
                  "Type": "OTPEMAIL",
                  "Text": "******@cardinalcommerce.com"
                }
              ],
              "Reason": {
                "ReasonCode": "string",
                "ReasonDescription": "string"
              },
              "Error": {
                "ReferenceNumber": "string",
                "ReasonDescription": "string",
                "Description": "string",
                "Message": "string"
              }
            }
          }
        }
      },
      "PANhash": {
        "type": "string",
        "description": "Encrypted PAN using 2048 rsa key and base64 encoded.\nPismo provides the encrypt/decrypt keys for this field.\n",
        "example": "WEPvOQuZvjfYEd0iBmr43bhWyOsylIsW95ebYrLD89App2iEq9IizP+8w73pxKQ4mI47EdhzYHF9RfXjrBOyug=="
      },
      "StructuredPhone": {
        "type": "object",
        "description": "Phone number structure",
        "properties": {
          "area_code": {
            "type": "string",
            "description": "Area code of the phone number",
            "example": "31"
          },
          "country_code": {
            "type": "string",
            "description": "Country code of the phone number",
            "example": "55"
          },
          "number": {
            "type": "string",
            "description": "Phone number without area code",
            "example": "998675309"
          },
          "type": {
            "type": "string",
            "description": "Type of phone number (e.g., mobile, commercial, residential)",
            "example": "mobile"
          }
        }
      },
      "PismoAuthID": {
        "type": "string",
        "description": "Pismo-generated unique authentication ID",
        "example": "ff77635e-1cd6-4fda-992d-5ceb71d75644"
      },
      "Program": {
        "type": "object",
        "properties": {
          "id": {
            "type": "integer",
            "example": 986,
            "description": "Program ID"
          }
        }
      },
      "RawProvider": {
        "type": "object",
        "description": "All non-PCI information received from provider. Check provider documentation for details."
      }
    }
  },
  "paths": {
    "/issuer-vcas-initiateaction-endpoint": {
      "post": {
        "summary": "Issuer’s endpoint to handle VCAs initiate action flow",
        "description": "Informs the issuer about the initiate action flow in the VCAS process.",
        "operationId": "postInitiateAction",
        "tags": [
          "VCAS"
        ],
        "requestBody": {
          "description": "Request provided by Pismo containing transaction and information",
          "required": true,
          "content": {
            "application/json": {
              "schema": {
                "$ref": "#/components/schemas/VCASInitiateActionRequest"
              }
            }
          }
        },
        "responses": {
          "200": {
            "description": "OK",
            "content": {
              "application/json": {
                "schema": {
                  "$ref": "#/components/schemas/VCASInitiateActionResponse"
                }
              }
            }
          }
        }
      }
    }
  }
}
```