Card Payment with 3-D Secure
Authorise a card payment with EMV 3-D Secure step-up.
Rendering…
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sequenceDiagram
participant U as User
participant M as Merchant
participant P as PSP
participant A as Card network
participant I as Issuer ACS
U->>M: Submit checkout
M->>P: Auth request
P->>A: 3DS preauth (BIN routing)
A->>I: 3DS risk eval
I-->>A: Challenge required
A-->>P: Challenge URL
P-->>M: Render 3DS challenge
M->>U: 3DS challenge (OTP / app)
U-->>M: Challenge response
M->>P: Continue
P->>A: Auth + CAVV
A->>I: Authorise
I-->>A: Approved (auth code)
A-->>P: Approved
P-->>M: Approved
M-->>U: Order confirmed