Creating a Card Payment With 3DS Authentication - External 3DS
This procedure describes how to create a card payment that uses an external provider for 3DS authentication. This procedure is relevant to the production environment.
Note
To enable this feature, contact Rapyd Client Support.
This option currently is not available for hosted pages.
The card issuer might require 3DS even when it is not specified in the payment request.
Related Information
Rapyd 3DS authentication - Create a payment that uses Rapyd's 3DS authentication. API production environment. See Simulating 'Create Payment' with 3DS - API.
Prerequisites
Keys to the production environment for your user.
A payment method that supports 3DS authentication by external provider. The response to Get Payment Method Required Fields must include the following fields:
payment_method_options.3d_required- 3DS is supported.3d_versioncavvecids_trans_id
The following information from your external 3DS provider:
3d_version- 3DS version.cavv- Cardholder authentication verification value (CAVV) represented as a 20-byte value that is Base64 encoded.eci- Electronic commerce indicator (ECI) from MPI Plugin (3-D Secure 1.0) or 3DS Server (3-D Secure 2.0).ds_trans_id- The directory server transaction ID. Required for Mastercard 2.0.
How
Create a payment as described in Create Payment, with the following settings:
payment_method- Specify one of the following:The ID of the customer's payment method.
A 'payment method' object that contains all required fields.
payment_method_options- Specify an object that contains the fields listed in the prerequisites.
Request
curl -X post https://api.rapyd.net/v1/payments/ -H 'access_key: your-access-key-here' -H 'Content-Type: application/json' -H 'idempotency: your-idempotency-parameter-here' -H 'salt: your-random-string-here' -H 'signature: your-calculated-signature-here' -H 'timestamp: your-unix-timestamp-here' -d '{ "amount": 10, "currency": "EUR", "capture": false, "description": "payment by card", "customer": "cus_5bee14584a78638ba717e746be62ee01", "payment_method": { "type": "is_visa_card", "fields": { "name": "John Doe", "number": "4111111111111111", "expiration_month": "05", "expiration_year": "31", "cvv": "111" } }, "payment_method_options": { "3d_version": "2.2.0", "cavv": "BwABBYcyOCdlg0QChDI4EHUURgE", "eci": "05", "ds_trans_id": "1b20b229-8676-5812-8000-000000617fbb" }, "save_payment_method": true, "complete_payment_url": "https://complete.rapyd.net", "error_payment_url": "https://error.rapyd.net" }'
Response
{ "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "137f1eac-d498-4203-b901-d836abfadadf" }, "data": { "id": "payment_e05ad752b2d547b2a454b972038e9536", "amount": 0, "original_amount": 10, "is_partial": false, "currency_code": "EUR", "country_code": "IS", "status": "ACT", "description": "payment by card", "merchant_reference_id": "", "customer_token": "cus_5bee14584a78638ba717e746be62ee01", "payment_method": "card_bc43dabab72ca676a8bb237c03969b62", "payment_method_data": { "id": "card_bc43dabab72ca676a8bb237c03969b62", "type": "is_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "not_applicable", "name": "John Doe", "last4": "1111", "acs_check": "unchecked", "cvv_check": "unchecked", "bin_details": { "type": "DEBIT", "brand": "VISA", "level": "CLASSIC", "issuer": "CONOTOXIA SP. Z O.O", "country": "PL", "bin_number": "411111" }, "expiration_year": "31", "expiration_month": "05", "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467", "network_reference_id": "123456" }, "auth_code": null, "expiration": 1751295440, "captured": false, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "", "complete_payment_url": "https://complete.rapyd.net", "error_payment_url": "https://error.rapyd.net", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1750690640, "metadata": {}, "failure_code": "", "failure_message": "", "paid": false, "paid_at": 0, "dispute": null, "refunds": null, "order": null, "outcome": null, "visual_codes": {}, "textual_codes": {}, "instructions": [ { "name": "instructions", "steps": [ { "step1": "" } ] } ], "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861", "ewallets": [ { "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861", "amount": 10, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "eci": "05", "cavv": "BwABBYcyOCdlg0QChDI4EHUURgE", "3d_version": "2.2.0", "ds_trans_id": "1b20b229-8676-5812-8000-000000617fbb" }, "payment_method_type": "is_visa_card", "payment_method_type_category": "card", "fx_rate": 1, "merchant_requested_currency": null, "merchant_requested_amount": null, "fixed_side": "", "payment_fees": null, "invoice": "", "escrow": null, "group_payment": "", "cancel_reason": null, "initiation_type": "customer_present", "mid": "", "next_action": "pending_capture", "error_code": "", "remitter_information": {}, "save_payment_method": true, "merchant_advice_code": null, "merchant_advice_message": null, "transaction_link_id": null } }
The external 3DS provider authenticates the buyer.
Rapyd completes the payment.