--- title: "Creating a Card Payment With 3DS Authentication - External 3DS" source_url: https://docs.rapyd.net/en/creating-a-card-payment-with-3ds-authentication---external-3ds.html lang: en --- # 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](https://support.rapyd.net). > - 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](https://docs.rapyd.net/en/simulating--create-payment--with-3ds---api.md "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](https://docs.rapyd.net/en/get-payment-method-required-fields.md "Get Payment Method Required Fields") must include the following fields: - `payment_method_options.3d_required` - 3DS is supported. - `3d_version` - `cavv` - `eci` - `ds_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 1. Create a payment as described in [Create Payment](https://docs.rapyd.net/en/create-payment.md "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 - ```json 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 - ```json { "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 } } ``` 2. The external 3DS provider authenticates the buyer. 3. Rapyd completes the payment.