“Challenge” flow

In a challenge flow, based on the received information, the issuer determines that it is necessary for the buyer to provide the following elements:
  • Either a biometric element, such as a device fingerprint,
  • or a strong authentication via two-factor authentication.

For in-app solutions, the device fingerprint will be systematically requested before proceeding to the challenge.

Once the challenge has been successfully completed, the payment gateway proceeds with the payment and issues the authorization request.

In case of a technical or authentication error, the payment stops. The payment gateway notifies the merchant website and the buyer about the payment rejection and redirects the buyer to the merchant website.