Getting INVALID_REQUEST error when doing checkout with stored card and with PayerAuth enabled

[apponsforce]

The error received & displayed in the web page is as follows. Error is the same independent of whether SCA is enabled or disabled.

{"readyState":4,"responseText":"{\n \"action\": \"CheckoutServices-PlaceOrder\",\n \"queryString\": \"\",\n \"locale\": \"default\",\n \"tracking_consent\": true,\n \"csrf\": {\n \"tokenName\": \"csrf_token\",\n \"token\": \"TOKEN-STRING"\n },\n \"error\": {\n \"errorText\": \"Error: {\\\"id\\\":\\\"7195933326806200804953\\\",\\\"submitTimeUtc\\\":\\\"2024-06-28T16:48:52Z\\\",\\\"status\\\":\\\"INVALID_REQUEST\\\",\\\"reason\\\":\\\"MISSING_FIELD\\\",\\\"message\\\":\\\"Declined - The request is missing one or more fields\\\",\\\"details\\\":[{\\\"field\\\":\\\"paymentInformation.card.number\\\",\\\"reason\\\":\\\"MISSING_FIELD\\\"},{\\\"field\\\":\\\"paymentInformation.card.expirationMonth\\\",\\\"reason\\\":\\\"MISSING_FIELD\\\"},{\\\"field\\\":\\\"paymentInformation.card.expirationYear\\\",\\\"reason\\\":\\\"MISSING_FIELD\\\"}]} (int_cybs_sfra_base/cartridge/scripts/http/payerAuthentication.js#107)\",\n \"controllerName\": \"CheckoutServices\",\n \"startNodeName\": \"Start\"\n },\n \"message\": \"For technical reasons, your request could not be handled properly at this time. We apologize for any inconvenience.\"\n}", ...

[appanp-tjs]

The backend service request/response traces are provided below:

[2024-08-29 17:43:53.828 GMT] INFO PipelineCallServlet|994447314|Sites-RefArch-Site|CheckoutServices-PlaceOrder|PipelineCall|WYvDNLB7az custom.service.PaymentHttpService.COMM [] Webservice Communication: PaymentHttpService (POST https://apitest.cybersource.com/risk/v1/authentication-setups), 117 ms

[2024-08-29 17:43:53.829 GMT] INFO PipelineCallServlet|994447314|Sites-RefArch-Site|CheckoutServices-PlaceOrder|PipelineCall|WYvDNLB7az custom.service.PaymentHttpService.COMM [] Request: {"clientReferenceInformation":{"code":"00000402","partner":{"solutionId":"2TLC4V9R","developerId":null}},"processingInformation":{"commerceIndicator":"internet"},"paymentInformation":{"customer":{},"card":{"securityCode":null,"typeSelectionIndicator":"1"}}}

[2024-08-29 17:43:53.829 GMT] INFO PipelineCallServlet|994447314|Sites-RefArch-Site|CheckoutServices-PlaceOrder|PipelineCall|WYvDNLB7az custom.service.PaymentHttpService.COMM [] Response: {"id":"7249534337256398704953","submitTimeUtc":"2024-08-29T17:43:53Z","status":"INVALID_REQUEST","reason":"MISSING_FIELD","message":"Declined - The request is missing one or more fields","details":[{"field":"paymentInformation.card.number","reason":"MISSING_FIELD"},{"field":"paymentInformation.card.expirationMonth","reason":"MISSING_FIELD"},{"field":"paymentInformation.card.expirationYear","reason":"MISSING_FIELD"}]}
[2024-08-29 17:43:53.829 GMT] ERROR PipelineCallServlet|994447314|Sites-RefArch-Site|CheckoutServices-PlaceOrder|PipelineCall|WYvDNLB7az custom.service.PaymentHttpService.HEAD [] service=PaymentHttpService status=ERROR errorCode=400 errorMessage={"id":"7249534337256398704953","submitTimeUtc":"2024-08-29T17:43:53Z","status":"INVALID_REQUEST","reason":"MISSING_FIELD","message":"Declined - The request is missing one or more fields","details":[{"field":"paymentInformation.card.number","reason":"MISSING_FIELD"},{"field":"paymentInformation.card.expirationMonth","reason":"MISSING_FIELD"},{"field":"paymentInformation.card.expirationYear","reason":"MISSING_FIELD"}]}