Step 3 Set the ccAuthService_cavv field to the 3D Secure cryptogram of the payment network token.
Include the whole 20-byte cryptogram in the ccAuthService_cavv field. For a 40-byte cryptogram, split the cryptogram into two 20-byte binary values (block A and block B). Set the ccAuthService_cavv field to the block A value and set the ccAuthService_xid field to the block B value.
Both cyberSource ApplePay & cyberSource AndroidPay are using the same way to handle amex card
Add it to support 20-byte cryptogram
@pierre pls take a look :)