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

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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