3DSecure

3D Secure (3DS) is an authentication technology to protect against unauthorized use of cards. It allows for verifying the cardholder’s identity before the payment is processed

The authentication process works as follows: after entering the card details, the issuer’s website opens, prompting the cardholder to enter a password or secret code. The code is usually sent via SMS. If the code is entered correctly, the payment is authorized; if not, the transaction is declined

3D Secure is available only for cards issued by banks that support this technology. Payments without 3D Secure are considered less secure

Interaction diagram for 3ds transfer

Status: success/error/pending

G2G_API_V3-Making a transfer (P2P) with 3DS.drawio.png

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🟢200Success

application/xml

Body

pg_payment_id

integer

required

pg_status

string

required

pg_payment_status

string

optional

pg_3ds

boolean

optional

pg_3d_acsurl

string

optional

pg_order_id

string

required

pg_payment_amount

number

required

pg_payout_amount

number

optional

pg_currency_from

string

optional

pg_currency_to

string

optional

pg_card_mask

string

required

Saved card mask

pg_card_token

string

optional

Saved card token

pg_card_recipient_token

string

optional

Saved recipient card token

pg_card_recipient_mask

string

optional

Recipient card mask

pg_payment_date

string

required

pg_datetime

string

required

pg_salt

string

required

pg_sig

string

required

Example

<?xml version="1.0" encoding="utf-8"?>
<response>
    <pg_payment_id>7777777777</pg_payment_id>
    <pg_order_id>980484</pg_order_id>
    <pg_payment_amount>10</pg_payment_amount>
    <pg_status>ok</pg_status>
    <pg_currency_from>USD</pg_currency_from>
    <pg_payment_date>2024-11-28 16:42:24</pg_payment_date>
    <pg_payment_status>success</pg_payment_status>
    <pg_card_mask>5555-55XX-XXXX-5555</pg_card_mask>
    <pg_card_token>11zxzxzxzxz-7zxzxz-4zxzx-4444-djng364ce8</pg_card_token>
    <pg_payout_amount>10</pg_payout_amount>
    <pg_currency_to>USD</pg_currency_to>
    <pg_card_recipient_mask>4444-44XX-XXXX-4444</pg_card_recipient_mask>
    <pg_card_recipient_token>fafafafafa-eaea-413dg-ddsdf2-432juithnj</pg_card_recipient_token>
    <pg_datetime>2024-11-28T11:42:34+00:00</pg_datetime>
    <pg_salt>43JI35rmdgnR</pg_salt>
    <pg_sig>gfdhgfedknj24kientl543njdxz</pg_sig>
</response>

🟢200Error

🟢200Invalid Signature

Interaction diagram for 3ds transfer#

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Interaction diagram for 3ds transfer