Defining the steps of payment without 3D Secure authentication

The process of payment without 3D Secure authentication is as follows:

Figure 1. The steps of payment without 3D Secure authentication
  1. The buyer confirms the order and enters the payment card details on the merchant website to proceed to payment.
  2. The merchant website contacts the payment gateway.

    It calls the createPayment operation.

    For a payment without 3D Secure authentication, it is possible:

    • to not populate the mode attribute of the threeDSRequest object (without a value, DISABLED is assigned to the attribute by default),
    • set the mode attribute of the threeDSRequest object to DISABLED.
  3. The payment gateway proceeds to the authorization request and returns the payment result to the merchant website.