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x=\"942.5\" y=\"305\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1042\" y=\"310\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i12\"><rect x=\"942.5\" y=\"623\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1042\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"329\" y=\"899\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"904\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"329\" y=\"1039\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"1044\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"1062\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i23\"><rect x=\"673\" y=\"1151\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"737\" height=\"56\" class=\"note\"></rect><text x=\"1042\" y=\"1156\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Set `customerAgreement.type: cardOnFile` </tspan></text><text x=\"1042\" y=\"1174\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><g data-et=\"note\" data-id=\"i24\"><rect x=\"723\" y=\"1217\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"158\" height=\"37\" class=\"note\"></rect><text x=\"802\" y=\"1222\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"802\">Includes token</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"806\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Tokens request</text><line x1=\"699\" y1=\"203\" x2=\"913.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"Tokens_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"809\" y=\"218\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Tokens response</text><line x1=\"916.5\" y1=\"249\" x2=\"702\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Tokens_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"930\" y=\"264\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"295\" x2=\"1161.5\" y2=\"295\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"358\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1164.5\" y1=\"389\" x2=\"702\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"433\" x2=\"308\" y2=\"433\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"448\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"477\" x2=\"79\" y2=\"477\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"833\" y=\"492\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"521\" x2=\"1590.5\" y2=\"521\" class=\"messageLine1\" data-et=\"message\" data-id=\"i9\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"836\" y=\"536\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1593.5\" y1=\"567\" x2=\"79\" y2=\"567\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"930\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">authentication request</text><line x1=\"699\" y1=\"613\" x2=\"1161.5\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"676\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1164.5\" y1=\"707\" x2=\"702\" y2=\"707\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"722\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"753\" x2=\"308\" y2=\"753\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"768\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"799\" x2=\"79\" y2=\"799\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"833\" y=\"814\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"843\" x2=\"1590.5\" y2=\"843\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1148\" y=\"858\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1593.5\" y1=\"889\" x2=\"702\" y2=\"889\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"930\" y=\"952\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"983\" x2=\"1161.5\" y2=\"983\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"998\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1164.5\" y1=\"1029\" x2=\"702\" y2=\"1029\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"1040\" y=\"1110\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1141\" x2=\"1381\" y2=\"1141\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"1043\" y=\"1269\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1384\" y1=\"1300\" x2=\"702\" y2=\"1300\" class=\"messageLine0\" data-et=\"message\" data-id=\"i25\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"1040\" y=\"1315\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"699\" y1=\"1346\" x2=\"1381\" y2=\"1346\" class=\"messageLine0\" data-et=\"message\" data-id=\"i26\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line><text x=\"1043\" y=\"1361\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"1384\" y1=\"1392\" x2=\"702\" y2=\"1392\" class=\"messageLine0\" data-et=\"message\" data-id=\"i27\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-55ecb69692663f36ab47296f4a8cacbb50b2fef5554b278d915e5d4950bc9bc9-arrowhead)\" style=\"fill: none;\"></line></svg>","diagramHtmlDark":"<svg id=\"diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1769.5px;\" viewBox=\"-50 -10 1769.5 1498\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect 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x=\"942.5\" y=\"305\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1042\" y=\"310\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i12\"><rect x=\"942.5\" y=\"623\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1042\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"329\" y=\"899\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"904\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"329\" y=\"1039\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"1044\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"1062\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i23\"><rect x=\"673\" y=\"1151\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"737\" height=\"56\" class=\"note\"></rect><text x=\"1042\" y=\"1156\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\">Set `customerAgreement.type: cardOnFile` </tspan></text><text x=\"1042\" y=\"1174\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1042\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><g data-et=\"note\" data-id=\"i24\"><rect x=\"723\" y=\"1217\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"158\" height=\"37\" class=\"note\"></rect><text x=\"802\" y=\"1222\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"802\">Includes token</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"806\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Tokens request</text><line x1=\"699\" y1=\"203\" x2=\"913.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"Tokens_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"809\" y=\"218\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Tokens response</text><line x1=\"916.5\" y1=\"249\" x2=\"702\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Tokens_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"930\" y=\"264\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"295\" x2=\"1161.5\" y2=\"295\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"358\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1164.5\" y1=\"389\" x2=\"702\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"433\" x2=\"308\" y2=\"433\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"448\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"477\" x2=\"79\" y2=\"477\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"833\" y=\"492\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"521\" x2=\"1590.5\" y2=\"521\" class=\"messageLine1\" data-et=\"message\" data-id=\"i9\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"836\" y=\"536\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1593.5\" y1=\"567\" x2=\"79\" y2=\"567\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"930\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">authentication request</text><line x1=\"699\" y1=\"613\" x2=\"1161.5\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"676\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1164.5\" y1=\"707\" x2=\"702\" y2=\"707\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"722\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"753\" x2=\"308\" y2=\"753\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"768\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"799\" x2=\"79\" y2=\"799\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"833\" y=\"814\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"843\" x2=\"1590.5\" y2=\"843\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1148\" y=\"858\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1593.5\" y1=\"889\" x2=\"702\" y2=\"889\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"930\" y=\"952\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"983\" x2=\"1161.5\" y2=\"983\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"933\" y=\"998\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1164.5\" y1=\"1029\" x2=\"702\" y2=\"1029\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"1040\" y=\"1110\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1141\" x2=\"1381\" y2=\"1141\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"1043\" y=\"1269\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1384\" y1=\"1300\" x2=\"702\" y2=\"1300\" class=\"messageLine0\" data-et=\"message\" data-id=\"i25\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"1040\" y=\"1315\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"699\" y1=\"1346\" x2=\"1381\" y2=\"1346\" class=\"messageLine0\" data-et=\"message\" data-id=\"i26\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line><text x=\"1043\" y=\"1361\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"1384\" y1=\"1392\" x2=\"702\" y2=\"1392\" class=\"messageLine0\" data-et=\"message\" data-id=\"i27\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7b531fd757e3f15e29682957a6821c2204e15e1c628c88707193dd5a42611afa-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Tokens_API\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Tokens_API: Tokens request\n    Tokens_API->>Merchant_Backend: Tokens response\n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: authentication request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: cardOnFile` <br> `customerAgreement.storedCardUsage: first`\n    Note right of Merchant_Backend: Includes token \n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"Using Checkout SDK (includes 3DS)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using the Checkout SDK, for use with future Customer Initiated Payments (CITs)."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/checkout/"},"children":["Checkout SDK"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/verified-tokens/"},"children":["Verified Tokens API"]}," - for Worldpay Token creation"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Checkout_Sessions\n    participant Verified_Token_API\n    participant 3DS_API\n    participant Card_Payments_API\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Verified_Token_API: Verified token request\n    Note left of Verified_Token_API: Includes session \n    Verified_Token_API->>Merchant_Backend: Verified token response\n    Note right of Merchant_Backend: Worldpay Token returned  \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: authentication request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: cardOnFile` <br> `customerAgreement.storedCardUsage: first`\n    Note right of Merchant_Backend: Includes Worldpay Token \n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"<svg id=\"diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 2008.5px;\" viewBox=\"-50 -10 2008.5 1682\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect x=\"1758.5\" y=\"1596\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuers\" 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x=\"971.5\" y=\"301\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"160\" height=\"37\" class=\"note\"></rect><text x=\"1052\" y=\"306\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1052\">Includes session</tspan></text></g><g data-et=\"note\" data-id=\"i7\"><rect x=\"723\" y=\"394\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Worldpay Token returned</tspan></text></g><g data-et=\"note\" data-id=\"i9\"><rect x=\"1181.5\" y=\"488\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1281\" y=\"493\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1281\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i16\"><rect x=\"1181.5\" y=\"806\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1281\" y=\"811\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1281\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i22\"><rect x=\"329\" y=\"1082\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"1087\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i25\"><rect x=\"329\" y=\"1222\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"1227\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"1245\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i27\"><rect x=\"673\" y=\"1334\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"976\" height=\"56\" class=\"note\"></rect><text x=\"1161\" y=\"1339\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1161\">Set `customerAgreement.type: cardOnFile` </tspan></text><text x=\"1161\" y=\"1357\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1161\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><g data-et=\"note\" data-id=\"i28\"><rect x=\"723\" y=\"1400\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"1405\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Includes Worldpay Token</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"624\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"305\" y1=\"155\" x2=\"942\" y2=\"155\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"627\" y=\"170\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"945\" y1=\"199\" x2=\"308\" y2=\"199\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"214\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"245\" x2=\"694\" y2=\"245\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"926\" y=\"260\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token request</text><line x1=\"699\" y1=\"291\" x2=\"1152.5\" y2=\"291\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Verified_Token_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"929\" y=\"353\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token response</text><line x1=\"1155.5\" y1=\"384\" x2=\"702\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Verified_Token_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1050\" y=\"447\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"478\" x2=\"1400.5\" y2=\"478\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"541\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1403.5\" y1=\"572\" x2=\"702\" y2=\"572\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"587\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"616\" x2=\"308\" y2=\"616\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"631\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"660\" x2=\"79\" y2=\"660\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"953\" y=\"675\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"704\" x2=\"1829.5\" y2=\"704\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"956\" y=\"719\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1832.5\" y1=\"750\" x2=\"79\" y2=\"750\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1050\" y=\"765\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">authentication request</text><line x1=\"699\" y1=\"796\" x2=\"1400.5\" y2=\"796\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"859\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1403.5\" y1=\"890\" x2=\"702\" y2=\"890\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"905\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"936\" x2=\"308\" y2=\"936\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"951\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"982\" x2=\"79\" y2=\"982\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"953\" y=\"997\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"1026\" x2=\"1829.5\" y2=\"1026\" class=\"messageLine1\" data-et=\"message\" data-id=\"i20\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1267\" y=\"1041\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1832.5\" y1=\"1072\" x2=\"702\" y2=\"1072\" class=\"messageLine1\" data-et=\"message\" data-id=\"i21\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1050\" y=\"1135\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"1166\" x2=\"1400.5\" y2=\"1166\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"1181\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1403.5\" y1=\"1212\" x2=\"702\" y2=\"1212\" class=\"messageLine0\" data-et=\"message\" data-id=\"i24\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1160\" y=\"1293\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1324\" x2=\"1620\" y2=\"1324\" class=\"messageLine0\" data-et=\"message\" data-id=\"i26\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1163\" y=\"1453\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1623\" y1=\"1484\" x2=\"702\" y2=\"1484\" class=\"messageLine0\" data-et=\"message\" data-id=\"i29\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b4225c7aa4250d69e865070f7f42f403efa7b5698717e5a7c8fbe4118cdd128a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1160\" y=\"1499\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement 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x=\"971.5\" y=\"301\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"160\" height=\"37\" class=\"note\"></rect><text x=\"1052\" y=\"306\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1052\">Includes session</tspan></text></g><g data-et=\"note\" data-id=\"i7\"><rect x=\"723\" y=\"394\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Worldpay Token returned</tspan></text></g><g data-et=\"note\" data-id=\"i9\"><rect x=\"1181.5\" y=\"488\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1281\" y=\"493\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1281\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i16\"><rect x=\"1181.5\" y=\"806\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"1281\" y=\"811\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1281\">Includes Worldpay Token</tspan></text></g><g data-et=\"note\" data-id=\"i22\"><rect x=\"329\" y=\"1082\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"1087\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i25\"><rect x=\"329\" y=\"1222\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"1227\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"1245\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i27\"><rect x=\"673\" y=\"1334\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"976\" height=\"56\" class=\"note\"></rect><text x=\"1161\" y=\"1339\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1161\">Set `customerAgreement.type: cardOnFile` </tspan></text><text x=\"1161\" y=\"1357\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1161\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><g data-et=\"note\" data-id=\"i28\"><rect x=\"723\" y=\"1400\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"1405\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Includes Worldpay Token</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"624\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"305\" y1=\"155\" x2=\"942\" y2=\"155\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"627\" y=\"170\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"945\" y1=\"199\" x2=\"308\" y2=\"199\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"214\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"245\" x2=\"694\" y2=\"245\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"926\" y=\"260\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token request</text><line x1=\"699\" y1=\"291\" x2=\"1152.5\" y2=\"291\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Verified_Token_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"929\" y=\"353\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token response</text><line x1=\"1155.5\" y1=\"384\" x2=\"702\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Verified_Token_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1050\" y=\"447\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"478\" x2=\"1400.5\" y2=\"478\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"541\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1403.5\" y1=\"572\" x2=\"702\" y2=\"572\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"587\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"616\" x2=\"308\" y2=\"616\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"631\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"660\" x2=\"79\" y2=\"660\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"953\" y=\"675\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"704\" x2=\"1829.5\" y2=\"704\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"956\" y=\"719\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1832.5\" y1=\"750\" x2=\"79\" y2=\"750\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1050\" y=\"765\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">authentication request</text><line x1=\"699\" y1=\"796\" x2=\"1400.5\" y2=\"796\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"859\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1403.5\" y1=\"890\" x2=\"702\" y2=\"890\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"905\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"936\" x2=\"308\" y2=\"936\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"951\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"982\" x2=\"79\" y2=\"982\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"953\" y=\"997\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"1026\" x2=\"1829.5\" y2=\"1026\" class=\"messageLine1\" data-et=\"message\" data-id=\"i20\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1267\" y=\"1041\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1832.5\" y1=\"1072\" x2=\"702\" y2=\"1072\" class=\"messageLine1\" data-et=\"message\" data-id=\"i21\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1050\" y=\"1135\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"1166\" x2=\"1400.5\" y2=\"1166\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1053\" y=\"1181\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1403.5\" y1=\"1212\" x2=\"702\" y2=\"1212\" class=\"messageLine0\" data-et=\"message\" data-id=\"i24\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1160\" y=\"1293\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1324\" x2=\"1620\" y2=\"1324\" class=\"messageLine0\" data-et=\"message\" data-id=\"i26\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1163\" y=\"1453\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1623\" y1=\"1484\" x2=\"702\" y2=\"1484\" class=\"messageLine0\" data-et=\"message\" data-id=\"i29\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1160\" y=\"1499\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"699\" y1=\"1530\" x2=\"1620\" y2=\"1530\" class=\"messageLine0\" data-et=\"message\" data-id=\"i30\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line><text x=\"1163\" y=\"1545\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"1623\" y1=\"1576\" x2=\"702\" y2=\"1576\" class=\"messageLine0\" data-et=\"message\" data-id=\"i31\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b488b3d5dbd6cb1ca8ba4a21f70860e94f7679835781e3d828305dfae2a2c28a-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Checkout_Sessions\n    participant Verified_Token_API\n    participant 3DS_API\n    participant Card_Payments_API\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Verified_Token_API: Verified token request\n    Note left of Verified_Token_API: Includes session \n    Verified_Token_API->>Merchant_Backend: Verified token response\n    Note right of Merchant_Backend: Worldpay Token returned  \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: authentication request\n    Note left of 3DS_API: Includes Worldpay Token \n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: cardOnFile` <br> `customerAgreement.storedCardUsage: first`\n    Note right of Merchant_Backend: Includes Worldpay Token \n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"using-a-stored-card-cit","__idx":3},"children":["Using a stored card (CIT)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using a token with 3DS authentication and using the token as part of a card payment."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    Note right of Merchant_Backend: Includes token \n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: Authentication request\n    Note right of Merchant_Backend: Includes Token \n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n   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Token</tspan></text></g><g data-et=\"note\" data-id=\"i16\"><rect x=\"329\" y=\"805\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"810\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i19\"><rect x=\"329\" y=\"945\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"950\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid 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Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"fill: none;\"></line><text x=\"886\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"203\" x2=\"1073\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" 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style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"340\" x2=\"308\" y2=\"340\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"355\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"384\" x2=\"79\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"fill: none;\"></line><text x=\"784\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"428\" x2=\"1492\" y2=\"428\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"787\" y=\"443\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1495\" y1=\"474\" x2=\"79\" y2=\"474\" class=\"messageLine1\" data-et=\"message\" data-id=\"i8\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"886\" y=\"489\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"520\" x2=\"1073\" y2=\"520\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-8539ecf46288dcd4a995a4f26e031e0c65588b92c24e965ab607b9cfbe9563bc-arrowhead)\" style=\"fill: none;\"></line><text x=\"889\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1076\" y1=\"613\" x2=\"702\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" 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Token</tspan></text></g><g data-et=\"note\" data-id=\"i16\"><rect x=\"329\" y=\"805\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"810\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i19\"><rect x=\"329\" y=\"945\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"950\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"968\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"723\" y=\"1057\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"329\" height=\"37\" class=\"note\"></rect><text x=\"888\" y=\"1062\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"888\">Includes token &amp; 3DS authentication details</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"886\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"203\" x2=\"1073\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"889\" y=\"265\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1076\" y1=\"296\" x2=\"702\" y2=\"296\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"311\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"340\" x2=\"308\" y2=\"340\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"355\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"384\" x2=\"79\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"784\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"428\" x2=\"1492\" y2=\"428\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"787\" y=\"443\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1495\" y1=\"474\" x2=\"79\" y2=\"474\" class=\"messageLine1\" data-et=\"message\" data-id=\"i8\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"886\" y=\"489\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"520\" x2=\"1073\" y2=\"520\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"889\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1076\" y1=\"613\" x2=\"702\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"659\" x2=\"308\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"705\" x2=\"79\" y2=\"705\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"784\" y=\"720\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"749\" x2=\"1492\" y2=\"749\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1099\" y=\"764\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1495\" y1=\"795\" x2=\"702\" y2=\"795\" class=\"messageLine1\" data-et=\"message\" data-id=\"i15\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"886\" y=\"858\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"889\" x2=\"1073\" y2=\"889\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"889\" y=\"904\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1076\" y1=\"935\" x2=\"702\" y2=\"935\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"991\" y=\"1016\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1047\" x2=\"1282.5\" y2=\"1047\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"994\" y=\"1109\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1285.5\" y1=\"1140\" x2=\"702\" y2=\"1140\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line><text x=\"991\" y=\"1155\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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data-et=\"message\" data-id=\"i24\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0003d93f7cc8a92aa2dff955b9827fd56e1d3c3678092fcfcc341f0dc5fbde62-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    Note right of Merchant_Backend: Includes token \n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: Authentication request\n    Note right of Merchant_Backend: Includes Token \n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note right of Merchant_Backend: Includes token & 3DS authentication details \n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"merchant-initiated-transactions","__idx":4},"children":["Merchant Initiated Transactions"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"setup-recurring-customer-agreement","__idx":5},"children":["Setup recurring customer agreement"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Request 3DS authentication with the challenge set as mandated for SCA compliance. Send a card payments Customer Initiated Transaction (CIT) request."]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"API only (includes 3DS)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: Authentication request\n    Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: first`\n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"<svg id=\"diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1610.5px;\" viewBox=\"-50 -10 1610.5 1311\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    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x=\"673\" y=\"483\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"358.5\" height=\"38\" class=\"note\"></rect><text x=\"852\" y=\"488\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"852\">Set `challenge.preference.challengeMandated` (if in mandated region)</tspan></text></g><g data-et=\"note\" data-id=\"i15\"><rect x=\"329\" y=\"759\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"764\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"329\" y=\"899\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"904\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"922\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i20\"><rect x=\"673\" y=\"1011\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"578\" height=\"56\" class=\"note\"></rect><text x=\"962\" y=\"1016\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"962\">Set `customerAgreement.type: subscription` </tspan></text><text x=\"962\" y=\"1034\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"962\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"851\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"203\" x2=\"1002.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"218\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1005.5\" y1=\"249\" x2=\"702\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"264\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"293\" x2=\"308\" y2=\"293\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"308\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"337\" x2=\"79\" y2=\"337\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"754\" y=\"352\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"381\" x2=\"1431.5\" y2=\"381\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"757\" y=\"396\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1434.5\" y1=\"427\" x2=\"79\" y2=\"427\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"851\" y=\"442\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"473\" x2=\"1002.5\" y2=\"473\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"536\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1005.5\" y1=\"567\" x2=\"702\" y2=\"567\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"613\" x2=\"308\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"659\" x2=\"79\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"754\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"703\" x2=\"1431.5\" y2=\"703\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1068\" y=\"718\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1434.5\" y1=\"749\" x2=\"702\" y2=\"749\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"851\" y=\"812\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"843\" x2=\"1002.5\" y2=\"843\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"858\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1005.5\" y1=\"889\" x2=\"702\" y2=\"889\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"961\" y=\"970\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1001\" x2=\"1222\" y2=\"1001\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"964\" y=\"1082\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1225\" y1=\"1113\" x2=\"702\" y2=\"1113\" class=\"messageLine0\" data-et=\"message\" data-id=\"i21\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"961\" y=\"1128\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"699\" y1=\"1159\" x2=\"1222\" y2=\"1159\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2aae62cf2ed61648ee1e86f32c9be03b4a68a76cb65053e98708ec14c78bfcf-arrowhead)\" style=\"fill: none;\"></line><text x=\"964\" y=\"1174\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"1225\" y1=\"1205\" x2=\"702\" y2=\"1205\" class=\"messageLine0\" 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x=\"673\" y=\"483\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"358.5\" height=\"38\" class=\"note\"></rect><text x=\"852\" y=\"488\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"852\">Set `challenge.preference.challengeMandated` (if in mandated region)</tspan></text></g><g data-et=\"note\" data-id=\"i15\"><rect x=\"329\" y=\"759\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"764\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"329\" y=\"899\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"904\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"922\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i20\"><rect x=\"673\" y=\"1011\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"578\" height=\"56\" class=\"note\"></rect><text x=\"962\" y=\"1016\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"962\">Set `customerAgreement.type: subscription` </tspan></text><text x=\"962\" y=\"1034\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"962\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"157\" x2=\"694\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"851\" y=\"172\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"203\" x2=\"1002.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"218\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1005.5\" y1=\"249\" x2=\"702\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"264\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"293\" x2=\"308\" y2=\"293\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"308\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"337\" x2=\"79\" y2=\"337\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"754\" y=\"352\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"381\" x2=\"1431.5\" y2=\"381\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"757\" y=\"396\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1434.5\" y1=\"427\" x2=\"79\" y2=\"427\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"851\" y=\"442\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"473\" x2=\"1002.5\" y2=\"473\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"536\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1005.5\" y1=\"567\" x2=\"702\" y2=\"567\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"613\" x2=\"308\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"659\" x2=\"79\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"754\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"703\" x2=\"1431.5\" y2=\"703\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1068\" y=\"718\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1434.5\" y1=\"749\" x2=\"702\" y2=\"749\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"851\" y=\"812\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"843\" x2=\"1002.5\" y2=\"843\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"854\" y=\"858\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1005.5\" y1=\"889\" x2=\"702\" y2=\"889\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"961\" y=\"970\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1001\" x2=\"1222\" y2=\"1001\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"964\" y=\"1082\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1225\" y1=\"1113\" x2=\"702\" y2=\"1113\" class=\"messageLine0\" data-et=\"message\" data-id=\"i21\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line><text x=\"961\" y=\"1128\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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data-et=\"message\" data-id=\"i23\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a1f9f75b3bb6b2e7f92d435fda1869f017afbe12964943d5e7ccd75b4dfdfb1f-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: Authentication request\n    Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: first`\n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"Using Checkout SDK (includes 3DS)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/checkout/"},"children":["Checkout SDK"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/verified-tokens/"},"children":["Verified Tokens API"]}," - for Worldpay Token creation"]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/"},"children":["3DS API"]}]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Checkout_Sessions\n    participant Verified_Token_API\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Verified_Token_API: Verified token request\n    Note left of Verified_Token_API: Includes session \n    Verified_Token_API->>Merchant_Backend: Verified token response\n    Note right of 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3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: first`\n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"<svg id=\"diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 2129.5px;\" viewBox=\"-50 -10 2129.5 1586\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3 foreignObject {\n      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x=\"1032\" y=\"301\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"160\" height=\"37\" class=\"note\"></rect><text x=\"1112\" y=\"306\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1112\">Includes session</tspan></text></g><g data-et=\"note\" data-id=\"i7\"><rect x=\"723\" y=\"394\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Worldpay Token returned</tspan></text></g><g data-et=\"note\" data-id=\"i15\"><rect x=\"673\" y=\"758\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"877.5\" height=\"38\" class=\"note\"></rect><text x=\"1112\" y=\"763\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1112\">Set `challenge.preference.challengeMandated` (if in mandated region)</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"329\" y=\"1034\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"344\" height=\"38\" class=\"note\"></rect><text x=\"501\" y=\"1039\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">Update or close challenge window on website</tspan></text></g><g data-et=\"note\" data-id=\"i24\"><rect x=\"329\" y=\"1174\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"298\" height=\"56\" class=\"note\"></rect><text x=\"478\" y=\"1179\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\">Apply authentication details in payment</tspan></text><text x=\"478\" y=\"1197\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"478\"> E.g. eci, authenticationValue etc</tspan></text></g><g data-et=\"note\" data-id=\"i26\"><rect x=\"673\" y=\"1286\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"1097\" height=\"56\" class=\"note\"></rect><text x=\"1222\" y=\"1291\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1222\">Set `customerAgreement.type: subscription` </tspan></text><text x=\"1222\" y=\"1309\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1222\"> `customerAgreement.storedCardUsage: first`</tspan></text></g><text x=\"188\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"111\" x2=\"300\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"654\" y=\"126\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"305\" y1=\"155\" x2=\"1002.5\" y2=\"155\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"657\" y=\"170\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"1005.5\" y1=\"199\" x2=\"308\" y2=\"199\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"214\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"245\" x2=\"694\" y2=\"245\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"956\" y=\"260\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token request</text><line x1=\"699\" y1=\"291\" x2=\"1213\" y2=\"291\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Verified_Token_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"959\" y=\"353\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token response</text><line x1=\"1216\" y1=\"384\" x2=\"702\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Verified_Token_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1110\" y=\"447\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"478\" x2=\"1521.5\" y2=\"478\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"493\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1524.5\" y1=\"524\" x2=\"702\" y2=\"524\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"539\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"568\" x2=\"308\" y2=\"568\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"583\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"612\" x2=\"79\" y2=\"612\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1013\" y=\"627\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"656\" x2=\"1950.5\" y2=\"656\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1016\" y=\"671\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1953.5\" y1=\"702\" x2=\"79\" y2=\"702\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1110\" y=\"717\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"748\" x2=\"1521.5\" y2=\"748\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"811\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1524.5\" y1=\"842\" x2=\"702\" y2=\"842\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"857\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"888\" x2=\"308\" y2=\"888\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"903\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"934\" x2=\"79\" y2=\"934\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1013\" y=\"949\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"978\" x2=\"1950.5\" y2=\"978\" class=\"messageLine1\" data-et=\"message\" data-id=\"i19\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1328\" y=\"993\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1953.5\" y1=\"1024\" x2=\"702\" y2=\"1024\" class=\"messageLine1\" data-et=\"message\" data-id=\"i20\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1110\" y=\"1087\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"1118\" x2=\"1521.5\" y2=\"1118\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"1133\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1524.5\" y1=\"1164\" x2=\"702\" y2=\"1164\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1220\" y=\"1245\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1276\" x2=\"1741\" y2=\"1276\" class=\"messageLine0\" data-et=\"message\" data-id=\"i25\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1223\" y=\"1357\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1744\" y1=\"1388\" x2=\"702\" y2=\"1388\" class=\"messageLine0\" data-et=\"message\" data-id=\"i27\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-4a63f0c25ee7acdfc3f14f7d8b6a9dc2adc559c86505aa5e0eec3ba08b70ffc3-arrowhead)\" style=\"fill: none;\"></line><text x=\"1220\" y=\"1403\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement 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x=\"1032\" y=\"301\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"160\" height=\"37\" class=\"note\"></rect><text x=\"1112\" y=\"306\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"1112\">Includes session</tspan></text></g><g data-et=\"note\" data-id=\"i7\"><rect x=\"723\" y=\"394\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"198\" height=\"38\" class=\"note\"></rect><text x=\"822\" y=\"399\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"822\">Worldpay Token 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Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"305\" y1=\"155\" x2=\"1002.5\" y2=\"155\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"657\" y=\"170\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"1005.5\" y1=\"199\" x2=\"308\" y2=\"199\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"500\" y=\"214\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"305\" y1=\"245\" x2=\"694\" y2=\"245\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"956\" y=\"260\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token request</text><line x1=\"699\" y1=\"291\" x2=\"1213\" y2=\"291\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Verified_Token_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"959\" y=\"353\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verified token response</text><line x1=\"1216\" y1=\"384\" x2=\"702\" y2=\"384\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Verified_Token_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1110\" y=\"447\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"699\" y1=\"478\" x2=\"1521.5\" y2=\"478\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"493\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1524.5\" y1=\"524\" x2=\"702\" y2=\"524\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"539\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"697\" y1=\"568\" x2=\"308\" y2=\"568\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"583\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"303\" y1=\"612\" x2=\"79\" y2=\"612\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1013\" y=\"627\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"656\" x2=\"1950.5\" y2=\"656\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1016\" y=\"671\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1953.5\" y1=\"702\" x2=\"79\" y2=\"702\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuers\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1110\" y=\"717\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"699\" y1=\"748\" x2=\"1521.5\" y2=\"748\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"811\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1524.5\" y1=\"842\" x2=\"702\" y2=\"842\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"503\" y=\"857\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"697\" y1=\"888\" x2=\"308\" y2=\"888\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"903\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"303\" y1=\"934\" x2=\"79\" y2=\"934\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1013\" y=\"949\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form POST</text><line x1=\"76\" y1=\"978\" x2=\"1950.5\" y2=\"978\" class=\"messageLine1\" data-et=\"message\" data-id=\"i19\" data-from=\"Browser\" data-to=\"Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1328\" y=\"993\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">`returnUrl` specified in authentication request</text><line x1=\"1953.5\" y1=\"1024\" x2=\"702\" y2=\"1024\" class=\"messageLine1\" data-et=\"message\" data-id=\"i20\" data-from=\"Issuers\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1110\" y=\"1087\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"699\" y1=\"1118\" x2=\"1521.5\" y2=\"1118\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"3DS_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1113\" y=\"1133\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1524.5\" y1=\"1164\" x2=\"702\" y2=\"1164\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"3DS_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1220\" y=\"1245\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions request</text><line x1=\"699\" y1=\"1276\" x2=\"1741\" y2=\"1276\" class=\"messageLine0\" data-et=\"message\" data-id=\"i25\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1223\" y=\"1357\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">customerInitiatedTransactions response</text><line x1=\"1744\" y1=\"1388\" x2=\"702\" y2=\"1388\" class=\"messageLine0\" data-et=\"message\" data-id=\"i27\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1220\" y=\"1403\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"699\" y1=\"1434\" x2=\"1741\" y2=\"1434\" class=\"messageLine0\" data-et=\"message\" data-id=\"i28\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line><text x=\"1223\" y=\"1449\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"1744\" y1=\"1480\" x2=\"702\" y2=\"1480\" class=\"messageLine0\" data-et=\"message\" data-id=\"i29\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-68ecbc4d39e316c1d2729b40fde493440e78ee6b124aa239c771a204d60e4403-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Checkout_Sessions\n    participant Verified_Token_API\n    participant 3DS_API\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Verified_Token_API: Verified token request\n    Note left of Verified_Token_API: Includes session \n    Verified_Token_API->>Merchant_Backend: Verified token response\n    Note right of Merchant_Backend: Worldpay Token returned  \n    Merchant_Backend->>3DS_API: deviceDataInitialization request\n    3DS_API->>Merchant_Backend: deviceDataInitialization response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>3DS_API: Authentication request\n    Note over Merchant_Backend,3DS_API: Set `challenge.preference.challengeMandated` (if in mandated region)\n    3DS_API->>Merchant_Backend: Authentication response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuers: Form POST\n    Issuers-->>Merchant_Backend: `returnUrl` specified in authentication request\n    Note right of Merchant_Frontend: Update or close challenge window on website\n    Merchant_Backend->>3DS_API: Verification request\n    3DS_API->>Merchant_Backend: Verification response\n    Note right of Merchant_Frontend: Apply authentication details in payment<br> E.g. eci, authenticationValue etc\n    Merchant_Backend->>Card_Payments_API: customerInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: first`\n    Card_Payments_API->>Merchant_Backend: customerInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"subsequent-merchant-initiated-transaction-mit","__idx":6},"children":["Subsequent Merchant Initiated Transaction (MIT)"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Send an MIT request for subsequent recurring transactions."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Using:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/card-payments/"},"children":["Card Payments API"]}]}]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Card_Payments_API: merchantInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: subsequent`\n    Card_Payments_API->>Merchant_Backend: merchantInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n","diagramHtml":"<svg id=\"diagram-a7fb9224c1652c39847e5e69d7a2e4d1f5d2bdb423a000512e9d1b4e1371058d\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1227.5px;\" viewBox=\"-50 -10 1227.5 513\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-a7fb9224c1652c39847e5e69d7a2e4d1f5d2bdb423a000512e9d1b4e1371058d foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect x=\"977.5\" y=\"427\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuers\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"1052.5\" y=\"459.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400; font-family: &quot;Redocly Mermaid Sans&quot;, Arial, 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x=\"464\" y=\"213\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"404\" height=\"56\" class=\"note\"></rect><text x=\"666\" y=\"218\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"666\">Set `customerAgreement.type: subscription` </tspan></text><text x=\"666\" y=\"236\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"666\"> `customerAgreement.storedCardUsage: subsequent`</tspan></text></g><text x=\"176\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" 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CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"490\" y1=\"361\" x2=\"839\" y2=\"361\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Card_Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2d3a812b2296878ec41059e34769291c269cbea4203ebc0af94aae40ab565ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"668\" y=\"376\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, Arial, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"842\" y1=\"407\" x2=\"493\" y2=\"407\" class=\"messageLine0\" data-et=\"message\" data-id=\"i6\" data-from=\"Card_Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-c2d3a812b2296878ec41059e34769291c269cbea4203ebc0af94aae40ab565ee-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend\n    participant Merchant_Backend\n    participant Card_Payments_API\n    participant Issuers\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Card_Payments_API: merchantInitiatedTransactions request\n    Note over Merchant_Backend,Card_Payments_API: Set `customerAgreement.type: subscription` <br> `customerAgreement.storedCardUsage: subsequent`\n    Card_Payments_API->>Merchant_Backend: merchantInitiatedTransactions response\n    Merchant_Backend->>Card_Payments_API: Settlement request\n    Card_Payments_API->>Merchant_Backend: Settlement response\n"]}]},"headings":[{"value":"Sequence diagrams - stored card using a Worldpay Token","id":"sequence-diagrams---stored-card-using-a-worldpay-token","depth":1},{"value":"Customer Initiated Transactions (CITs)","id":"customer-initiated-transactions-cits","depth":2},{"value":"Creating a stored card","id":"creating-a-stored-card","depth":3},{"value":"Using a stored card (CIT)","id":"using-a-stored-card-cit","depth":3},{"value":"Merchant Initiated Transactions","id":"merchant-initiated-transactions","depth":2},{"value":"Setup recurring customer agreement","id":"setup-recurring-customer-agreement","depth":3},{"value":"Subsequent Merchant Initiated Transaction (MIT)","id":"subsequent-merchant-initiated-transaction-mit","depth":4}],"frontmatter":{"seo":{"title":"Sequence diagrams - Stored card using Worldpay Token | Worldpay Developer","description":"Sequence diagrams for common Stored card flows using Worldpay Tokens"},"markdown":{"toc":{"hide":false}},"breadcrumbs":{"hide":true}},"lastModified":"2026-05-20T16:18:49.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/modular/sequence-diagrams/stored-card-worldpay","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}