{"templateId":"markdown","versions":[{"version":"20240601","label":"2024-06-01 (Latest)","link":"/products/payments/enable-features/3ds-authentication/integrated-3ds","default":true,"active":true,"folderId":"15ab58d6"}],"sharedDataIds":{"sidebar":"sidebar-products/payments/sidebars.yaml","current-catalog-info":"current-catalog-info-/products/payments/openapi"},"props":{"metadata":{"markdoc":{"tagList":["partial","admonition","cards","card","tabs","tab","code-snippet"]},"custom_product":"Payments","type":"markdown"},"seo":{"title":"Integrated 3DS Authentication | Payments API","description":"Worldpay for Developers - docs, code examples, resources and tools. 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stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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=\"567\" 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-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" 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;\">Payment request</text><line x1=\"572\" y1=\"203\" x2=\"816\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">Payment response</text><line x1=\"819\" y1=\"249\" x2=\"575\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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=\"570\" 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-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-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-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"563\" 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=\"383\" x2=\"1050\" y2=\"383\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"566\" y=\"398\" 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=\"1053\" y1=\"429\" x2=\"79\" y2=\"429\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" y=\"444\" 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;\">3dsDeviceData request</text><line x1=\"572\" y1=\"475\" x2=\"816\" y2=\"475\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"936\" y=\"490\" 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;\">Authorization request</text><line x1=\"821\" y1=\"521\" x2=\"1050\" y2=\"521\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"939\" 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;\">Authorization response</text><line x1=\"1053\" y1=\"567\" x2=\"824\" y2=\"567\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">3dsDeviceData response</text><line x1=\"819\" y1=\"613\" x2=\"575\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" 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;\">Settlement request</text><line x1=\"572\" y1=\"659\" x2=\"816\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">Settlement response</text><line x1=\"819\" y1=\"705\" x2=\"575\" y2=\"705\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">Transaction complete</text><line x1=\"570\" y1=\"751\" x2=\"308\" y2=\"751\" 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-d9e7f3f40e9516107034871a94a2dc2e46dd987661c7625c6a44d2668ee11430-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Issuer: Authorization request\n    Issuer->>Payments_API: Authorization response\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Payments_API: Settlement request\n    Payments_API->>Merchant_Backend: Settlement response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n"]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"3DS Web (challenge)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Card payment with ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/enable-features/3ds-authentication/integrated-3ds"},"children":["3DS authentication enabled"]},", resulting in a challenged issuer response."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1235px;\" viewBox=\"-50 -10 1235 1179\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8 foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect x=\"985\" y=\"1093\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuer\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"1060\" y=\"1125.5\" 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, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif;\"><tspan x=\"1060\" dy=\"0\">Issuer</tspan></text></g><g><rect x=\"745\" 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stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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=\"567\" 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-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" 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;\">Payment request</text><line x1=\"572\" y1=\"203\" x2=\"816\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">Payment response</text><line x1=\"819\" y1=\"249\" x2=\"575\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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=\"570\" 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-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-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-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"566\" 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=\"383\" x2=\"1056\" y2=\"383\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"569\" y=\"398\" 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=\"1059\" y1=\"429\" x2=\"79\" y2=\"429\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" y=\"444\" 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;\">3dsDeviceData request</text><line x1=\"572\" y1=\"475\" x2=\"816\" y2=\"475\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"490\" 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;\">3dsDeviceData response</text><line x1=\"819\" y1=\"521\" x2=\"575\" y2=\"521\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">Challenge JWT/URL</text><line x1=\"570\" y1=\"567\" x2=\"308\" y2=\"567\" 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-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" 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;\">3DS challenge form</text><line x1=\"303\" y1=\"613\" x2=\"79\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"566\" y=\"628\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: 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data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" 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;\">3dsChallenges request</text><line x1=\"572\" y1=\"749\" x2=\"816\" y2=\"749\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"939\" 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;\">Authorization Request</text><line x1=\"821\" y1=\"795\" x2=\"1056\" y2=\"795\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"942\" y=\"810\" 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;\">Authorization Response</text><line x1=\"1059\" y1=\"841\" x2=\"824\" y2=\"841\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"856\" 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;\">3dsChallenges response</text><line x1=\"819\" y1=\"887\" x2=\"575\" y2=\"887\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" y=\"902\" 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;\">Settlements request</text><line x1=\"572\" y1=\"933\" x2=\"816\" y2=\"933\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d34811277b3a492e095329091f084c400607b16276f8f70eee16fb72ce21aee8-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"948\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly 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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;\">Payment request</text><line x1=\"572\" y1=\"203\" x2=\"816\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">Payment response</text><line x1=\"819\" y1=\"249\" x2=\"575\" y2=\"249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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=\"570\" 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-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-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-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"566\" 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=\"383\" x2=\"1056\" y2=\"383\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"569\" y=\"398\" 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=\"1059\" y1=\"429\" x2=\"79\" y2=\"429\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" y=\"444\" 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;\">3dsDeviceData request</text><line x1=\"572\" y1=\"475\" x2=\"816\" y2=\"475\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"490\" 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;\">3dsDeviceData response</text><line x1=\"819\" y1=\"521\" x2=\"575\" y2=\"521\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">Challenge JWT/URL</text><line x1=\"570\" y1=\"567\" x2=\"308\" y2=\"567\" 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-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" 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;\">3DS challenge form</text><line x1=\"303\" y1=\"613\" x2=\"79\" y2=\"613\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"566\" 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;\">Form post</text><line x1=\"76\" y1=\"659\" x2=\"1056\" y2=\"659\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"569\" 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;\">Return to merchant site</text><line x1=\"1059\" y1=\"703\" x2=\"79\" y2=\"703\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" 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;\">3dsChallenges request</text><line x1=\"572\" y1=\"749\" x2=\"816\" y2=\"749\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"939\" 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;\">Authorization Request</text><line x1=\"821\" y1=\"795\" x2=\"1056\" y2=\"795\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"942\" y=\"810\" 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;\">Authorization Response</text><line x1=\"1059\" y1=\"841\" x2=\"824\" y2=\"841\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"856\" 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;\">3dsChallenges response</text><line x1=\"819\" y1=\"887\" x2=\"575\" y2=\"887\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" y=\"902\" 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;\">Settlements request</text><line x1=\"572\" y1=\"933\" x2=\"816\" y2=\"933\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"948\" 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;\">Settlements response</text><line x1=\"819\" y1=\"979\" x2=\"575\" y2=\"979\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" y=\"994\" 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;\">Transaction complete</text><line x1=\"570\" y1=\"1025\" x2=\"308\" y2=\"1025\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-77f6acdf633948c43047f4952cc477033f0d3e53e900091b0fd0621987d919ee-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n"]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"3DS iOS/Android (challenge)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Card payment with ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/enable-features/3ds-authentication/integrated-3ds"},"children":["3DS authentication enabled"]},", resulting in a challenged issuer response."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Merchant_App as Merchant App\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Merchant_App->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_App: DeviceData - JWT\n    Note over Merchant_App: Cardinal SDK: Initialize\n    Merchant_App-->>Issuer: Device App data\n    Issuer-->>Merchant_App: consumerSessionId  \n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Note left of Payments_API: Includes consumerSessionId\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_App: Challenge - Payload\n    Note over Merchant_App: Cardinal SDK: Display Challenge\n    Merchant_App-->>Issuer: Challenge Data\n    Issuer-->>Merchant_App: Challenge Complete\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_App: Transaction complete\n    Note left of Merchant_App: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1091px;\" viewBox=\"-154 -10 1091 1185\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874 foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect x=\"737\" y=\"1099\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuer\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"812\" y=\"1131.5\" 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, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif;\"><tspan x=\"812\" dy=\"0\">Issuer</tspan></text></g><g><rect x=\"497\" y=\"1099\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Payments_API\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"572\" y=\"1131.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor 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consumerSessionId</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"-52.5\" y=\"579\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"255\" height=\"38\" class=\"note\"></rect><text x=\"75\" y=\"584\" 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=\"75\">Cardinal SDK: Display Challenge</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"-104\" y=\"1041\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"154\" height=\"38\" class=\"note\"></rect><text x=\"-27\" y=\"1046\" 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=\"-27\">Order receipt page</tspan></text></g><text x=\"185\" 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;\">Pay</text><line x1=\"76\" y1=\"111\" x2=\"293\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Merchant_App\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"433\" 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;\">Payment request</text><line x1=\"298\" y1=\"157\" x2=\"568\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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;\">Payment response</text><line x1=\"571\" y1=\"203\" x2=\"301\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"188\" 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;\">DeviceData - JWT</text><line x1=\"296\" y1=\"247\" x2=\"79\" y2=\"247\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"309\" 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;\">Device App data</text><line x1=\"76\" y1=\"340\" x2=\"808\" y2=\"340\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" 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;\">consumerSessionId</text><line x1=\"811\" y1=\"384\" x2=\"79\" y2=\"384\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"433\" 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;\">3dsDeviceData request</text><line x1=\"298\" y1=\"430\" x2=\"568\" y2=\"430\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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;\">3dsDeviceData response</text><line x1=\"571\" y1=\"523\" x2=\"301\" y2=\"523\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"188\" y=\"538\" 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 - Payload</text><line x1=\"296\" y1=\"569\" x2=\"79\" y2=\"569\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"632\" 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 Data</text><line x1=\"76\" y1=\"663\" x2=\"808\" y2=\"663\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"678\" 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 Complete</text><line x1=\"811\" y1=\"709\" x2=\"79\" y2=\"709\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"433\" y=\"724\" 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;\">3dsChallenges request</text><line x1=\"298\" y1=\"755\" x2=\"568\" y2=\"755\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"691\" y=\"770\" 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;\">Authorization Request</text><line x1=\"573\" y1=\"801\" x2=\"808\" y2=\"801\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" y=\"816\" 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;\">Authorization Response</text><line x1=\"811\" y1=\"847\" x2=\"576\" y2=\"847\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"862\" text-anchor=\"middle\" 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request</text><line x1=\"298\" y1=\"939\" x2=\"568\" y2=\"939\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-34eaca9be800fed24204455c5ab7c8718f9c51a35f7677f42622eff349453874-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"954\" 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;\">Settlements response</text><line x1=\"571\" y1=\"985\" x2=\"301\" y2=\"985\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" 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consumerSessionId</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"-52.5\" y=\"579\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"255\" height=\"38\" class=\"note\"></rect><text x=\"75\" y=\"584\" 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=\"75\">Cardinal SDK: Display Challenge</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"-104\" y=\"1041\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"154\" height=\"38\" class=\"note\"></rect><text x=\"-27\" y=\"1046\" 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=\"-27\">Order receipt page</tspan></text></g><text x=\"185\" 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;\">Pay</text><line x1=\"76\" y1=\"111\" x2=\"293\" y2=\"111\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Merchant_App\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"433\" 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;\">Payment request</text><line x1=\"298\" y1=\"157\" x2=\"568\" y2=\"157\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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;\">Payment response</text><line x1=\"571\" y1=\"203\" x2=\"301\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"188\" 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;\">DeviceData - JWT</text><line x1=\"296\" y1=\"247\" x2=\"79\" y2=\"247\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"309\" 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;\">Device App data</text><line x1=\"76\" y1=\"340\" x2=\"808\" y2=\"340\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" 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;\">consumerSessionId</text><line x1=\"811\" y1=\"384\" x2=\"79\" y2=\"384\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"433\" 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;\">3dsDeviceData request</text><line x1=\"298\" y1=\"430\" x2=\"568\" y2=\"430\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" 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;\">3dsDeviceData response</text><line x1=\"571\" y1=\"523\" x2=\"301\" y2=\"523\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"188\" y=\"538\" 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 - Payload</text><line x1=\"296\" y1=\"569\" x2=\"79\" y2=\"569\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"632\" 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 Data</text><line x1=\"76\" y1=\"663\" x2=\"808\" y2=\"663\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"678\" 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 Complete</text><line x1=\"811\" y1=\"709\" x2=\"79\" y2=\"709\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"433\" y=\"724\" 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;\">3dsChallenges request</text><line x1=\"298\" y1=\"755\" x2=\"568\" y2=\"755\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"691\" y=\"770\" 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;\">Authorization Request</text><line x1=\"573\" y1=\"801\" x2=\"808\" y2=\"801\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" y=\"816\" 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;\">Authorization Response</text><line x1=\"811\" y1=\"847\" x2=\"576\" y2=\"847\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"862\" 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;\">3dsChallenges response</text><line x1=\"571\" y1=\"893\" x2=\"301\" y2=\"893\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"433\" y=\"908\" 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;\">Settlements request</text><line x1=\"298\" y1=\"939\" x2=\"568\" y2=\"939\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"954\" 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;\">Settlements response</text><line x1=\"571\" y1=\"985\" x2=\"301\" y2=\"985\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line><text x=\"188\" y=\"1000\" 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;\">Transaction complete</text><line x1=\"296\" y1=\"1031\" x2=\"79\" y2=\"1031\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-7979b5ac413dac8cfb5c471d3009737552ee6a5a05cf2f4e4e9e61e3211a3775-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Merchant_App as Merchant App\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Merchant_App->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_App: DeviceData - JWT\n    Note over Merchant_App: Cardinal SDK: Initialize\n    Merchant_App-->>Issuer: Device App data\n    Issuer-->>Merchant_App: consumerSessionId  \n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Note left of Payments_API: Includes consumerSessionId\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_App: Challenge - Payload\n    Note over Merchant_App: Cardinal SDK: Display Challenge\n    Merchant_App-->>Issuer: Challenge Data\n    Issuer-->>Merchant_App: Challenge Complete\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_App: Transaction complete\n    Note left of Merchant_App: Order receipt page\n\n"]}]},{"$$mdtype":"Tag","name":"TabItemFragment","attributes":{"label":"Example using Checkout SDK","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["An example using the Checkout SDK to provide the card details using a low PCI set of hosted card fields. The rest of the flow is the same as the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3DS Web (challenge)"]}," tab."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Checkout_Sessions as Checkout Sessions\n    participant Issuer\n    Note over Merchant_Frontend: Checkout JS added to page \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->>Payments_API: Payment request\n    Note over Merchant_Backend,Payments_API: Using Checkout SDK session\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1402px;\" viewBox=\"-50 -10 1402 1363\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><style>\n    #diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd foreignObject {\n      overflow: visible;\n    }\n  </style><g><rect x=\"1152\" y=\"1277\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuer\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"1227\" y=\"1309.5\" 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, &quot;Liberation Sans&quot;, Arimo, Helvetica, &quot;Redocly Mermaid CJK&quot;, sans-serif;\"><tspan x=\"1227\" dy=\"0\">Issuer</tspan></text></g><g><rect x=\"945\" 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session</tspan></text></g><g data-et=\"note\" data-id=\"i25\"><rect x=\"124\" y=\"1219\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"155\" height=\"38\" class=\"note\"></rect><text x=\"202\" y=\"1224\" 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=\"202\">Order receipt page</tspan></text></g><text x=\"188\" y=\"128\" 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=\"159\" x2=\"300\" y2=\"159\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"662\" y=\"174\" 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=\"203\" x2=\"1019.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"665\" 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;\">Return session</text><line x1=\"1022.5\" y1=\"247\" x2=\"308\" y2=\"247\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"262\" 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=\"293\" x2=\"567\" y2=\"293\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" 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;\">Payment request</text><line x1=\"572\" y1=\"339\" x2=\"816\" y2=\"339\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"402\" 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;\">Payment response</text><line x1=\"819\" y1=\"433\" x2=\"575\" y2=\"433\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">DeviceData - BIN/JWT/URL</text><line x1=\"570\" y1=\"477\" x2=\"308\" y2=\"477\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" 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;\">3DS Device Data form</text><line x1=\"303\" y1=\"521\" x2=\"79\" y2=\"521\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"650\" 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;\">Form post</text><line x1=\"76\" y1=\"567\" x2=\"1223\" y2=\"567\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"653\" y=\"582\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly 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data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">3dsDeviceData response</text><line x1=\"819\" y1=\"705\" x2=\"575\" y2=\"705\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">Challenge JWT/URL</text><line x1=\"570\" y1=\"751\" x2=\"308\" y2=\"751\" 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-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"766\" 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=\"797\" x2=\"79\" y2=\"797\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"fill: none;\"></line><text x=\"650\" 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;\">Form post</text><line x1=\"76\" y1=\"843\" x2=\"1223\" y2=\"843\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"653\" 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;\">Return to merchant site</text><line x1=\"1226\" y1=\"887\" x2=\"79\" y2=\"887\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-954d60fcf2bc90561673e08e7e95618e97b3dbc3e7f6f1b157eaaa73cce18bbd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" y=\"902\" 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; 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x=\"195\" y=\"75\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"218\" height=\"38\" class=\"note\"></rect><text x=\"304\" y=\"80\" 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=\"304\">Checkout JS added to page</tspan></text></g><g data-et=\"note\" data-id=\"i6\"><rect x=\"546\" y=\"349\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"299\" height=\"38\" class=\"note\"></rect><text x=\"696\" y=\"354\" 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=\"696\">Using Checkout SDK 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data-id=\"i1\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"662\" y=\"174\" 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=\"203\" x2=\"1019.5\" y2=\"203\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"665\" 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;\">Return session</text><line x1=\"1022.5\" y1=\"247\" x2=\"308\" y2=\"247\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"436\" y=\"262\" 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=\"293\" x2=\"567\" y2=\"293\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" 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;\">Payment request</text><line x1=\"572\" y1=\"339\" x2=\"816\" y2=\"339\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"402\" 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;\">Payment response</text><line x1=\"819\" y1=\"433\" x2=\"575\" y2=\"433\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">DeviceData - BIN/JWT/URL</text><line x1=\"570\" y1=\"477\" x2=\"308\" y2=\"477\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" 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;\">3DS Device Data form</text><line x1=\"303\" y1=\"521\" x2=\"79\" y2=\"521\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"650\" 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;\">Form post</text><line x1=\"76\" y1=\"567\" x2=\"1223\" y2=\"567\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"653\" 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;\">PostMessage: dfReferenceId</text><line x1=\"1226\" y1=\"613\" x2=\"79\" y2=\"613\" class=\"messageLine1\" data-et=\"message\" data-id=\"i11\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" 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;\">3dsDeviceData request</text><line x1=\"572\" y1=\"659\" x2=\"816\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" 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;\">3dsDeviceData response</text><line x1=\"819\" y1=\"705\" x2=\"575\" y2=\"705\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" 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;\">Challenge JWT/URL</text><line x1=\"570\" y1=\"751\" x2=\"308\" y2=\"751\" 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-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"191\" y=\"766\" 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=\"797\" x2=\"79\" y2=\"797\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"650\" 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;\">Form post</text><line x1=\"76\" y1=\"843\" x2=\"1223\" y2=\"843\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"653\" 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;\">Return to merchant site</text><line x1=\"1226\" y1=\"887\" x2=\"79\" y2=\"887\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"694\" y=\"902\" 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;\">3dsChallenges request</text><line x1=\"572\" y1=\"933\" x2=\"816\" y2=\"933\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"1022\" y=\"948\" 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;\">Authorization Request</text><line x1=\"821\" y1=\"979\" x2=\"1223\" y2=\"979\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"1025\" y=\"994\" 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;\">Authorization Response</text><line x1=\"1226\" y1=\"1025\" x2=\"824\" y2=\"1025\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"1040\" 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;\">3dsChallenges response</text><line x1=\"819\" y1=\"1071\" x2=\"575\" y2=\"1071\" class=\"messageLine0\" data-et=\"message\" data-id=\"i21\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"694\" y=\"1086\" 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;\">Settlements request</text><line x1=\"572\" y1=\"1117\" x2=\"816\" y2=\"1117\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"697\" y=\"1132\" 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;\">Settlements response</text><line x1=\"819\" y1=\"1163\" x2=\"575\" y2=\"1163\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" y=\"1178\" 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;\">Transaction complete</text><line x1=\"570\" y1=\"1209\" x2=\"308\" y2=\"1209\" class=\"messageLine0\" data-et=\"message\" data-id=\"i24\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-d00a3a253223af6757691d34546158ac5200f02a23a543ec84ed0a3950f43297-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Checkout_Sessions as Checkout Sessions\n    participant Issuer\n    Note over Merchant_Frontend: Checkout JS added to page \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->>Payments_API: Payment request\n    Note over Merchant_Backend,Payments_API: Using Checkout SDK session\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"device-data-collection","__idx":5},"children":["Device Data Collection"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When Payments API returns ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3dsDeviceDataRequired"]},", the response includes the information required to perform Device Data Collection."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The response also includes a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["supply3dsDeviceData"]}," action. Use this action to resume the payment after Device Data Collection has completed."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"outcome\": \"3dsDeviceDataRequired\",\n  \"deviceDataCollection\": {\n    \"jwt\": \"eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9...\",\n    \"url\": \"https://centinelapistag.cardinalcommerce.com/V1/Cruise/Collect\",\n    \"bin\": \"400000\"\n  },\n  \"_actions\": {\n    \"supply3dsDeviceData\": {\n      \"href\": \"https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/{linkData}/3dsDeviceData\",\n      \"method\": \"POST\"\n    }\n  }\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["After Device Data Collection completes, resume the payment by sending the collection reference to the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["supply3dsDeviceData"]}," action."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"collectionReference\": \"0_3XXXXXXX-XXXX-XXXX-XXXX-XXXXXXXXX6b5\"\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"danger"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If you do not provide a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["collectionReference"]},", you may see an increased number of challenged or authentication failed outcomes."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"challenge-and-verification","__idx":6},"children":["Challenge and verification"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If the issuer requires additional verification, the response from the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["supply3dsDeviceData"]}," action includes an outcome of ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3dsChallenged"]},"."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"outcome\": \"3dsChallenged\",\n  \"authentication\": {\n    \"version\": \"2.2.0\"\n  },\n  \"challenge\": {\n    \"reference\": \"706hovL8DK1tIGGzQUV1\",\n    \"url\": \"https://centinelapistag.cardinalcommerce.com/V2/Cruise/StepUp\",\n    \"jwt\": \"eyJ0eXAiOiJKV1QiLCJhbGciOiJIUzI1NiJ9...\",\n    \"payload\": \"eyJtZXNzYWdlVHlwZSI6Ik...\"\n  },\n  \"_actions\": {\n    \"complete3dsChallenge\": {\n      \"href\": \"https://try.access.worldpay-bsh.securedataplatform.co.uk/api/payments/{linkData}/3dsChallenges\",\n      \"method\": \"POST\"\n    }\n  }\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You must display the issuer challenge to the customer using the implementation approach for your client environment."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["After the customer completes the challenge, resume the payment using the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["complete3dsChallenge"]}," action. No request body is required."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"danger"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["If you do not complete the challenge display, the payment fails when you call the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["complete3dsChallenge"]}," action."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-much-data-to-provide","__idx":7},"children":["How much data to provide"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The issuer uses ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/enable-features/3ds-authentication/integrated-3ds/web#2-device-data-collection-ddc"},"children":["device data"]}," and certain values in the Payments API request to decide if the transaction is likely to be fraudulent.",{"$$mdtype":"Tag","name":"br","attributes":{},"children":[]}," ","How this data is interpreted varies by issuer. 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