--- title: "Creating a Card Payment With 3DS Authentication - Rapyd 3DS" source_url: https://docs.rapyd.net/en/creating-a-card-payment-with-3ds-authentication---rapyd-3ds.html lang: en --- # Creating a Card Payment With 3DS Authentication - Rapyd 3DS This procedure describes how to create a card payment that uses Rapyd's 3DS authentication. The card issuer might require 3DS even when it is not specified in the payment request. This procedure is relevant to the production environment. Related Information - **External 3DS provider** - Creating a payment that uses an external 3DS provider. API production environment. See [Creating a Card Payment With 3DS Authentication - External 3DS](https://docs.rapyd.net/en/creating-a-card-payment-with-3ds-authentication---external-3ds.md "Creating a Card Payment With 3DS Authentication - External 3DS"). - **Simulation** - Simulating a payment with Rapyd's 3DS authentication. API sandbox 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 - A payment method that supports 3DS authentication. If the response to [Get Payment Method Required Fields](https://docs.rapyd.net/en/get-payment-method-required-fields.md "Get Payment Method Required Fields") includes `payment_method_options.3d_required`, 3DS is supported. - Keys to the production environment for your user. ### 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.3d_required` - Set to **true**. - To improve your authentication success rate, Rapyd strongly recommends the following fields: - Specify an `address` object that describes the billing address for the card. Relevant for Visa payments: - `name` - Name of the cardholder. Required. - `line_1` - Street address, including street and building number. Required. - `city` - City. - `state` - Major political subdivision of the country. - `country` - Country. 2-letter ISO 3166-1 ALPHA-2 code. - `zip` - Postal code. - `phone_number` - Phone number associated with this specific address in E.164 format. - Specify a `client_details` object. Populate all fields, especially `ip_address`. - `accept_header` - Set to **text/html**. - `ip_address` - IP address of the cardholder's browser. Relevant for Visa and Mastercard payments. - `java_enabled` - Indicates whether the cardholder's browser supports Java. - `java_script_enabled` - Indicates whether the cardholder's browser supports JavaScript. - `screen_color_depth` - Indicates the number of bits used to define colors in the cardholder's browser. Valid values: 1, 4, 8, 15, 16, 24, 32, 48. - `screen_height` - Height of the browser's screen in pixels. Relevant for Visa payments. - `screen_width` - Width of the browser's screen in pixels. Relevant for Visa payments. - `time_zone_offset` - Number of minutes away from GMT. Positive or negative integer. - `receipt_email` - Enter the email address that the receipt for this transaction is sent to. - - 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": "99", "currency": "EUR", "complete_payment_url": "https://www.rapyd.net/complete", "error_payment_url": "https://www.rapyd.net/error", "payment_method_options": { "3d_required": true }, "payment_method": { "type": "cy_visa_card", "fields": { "name": "John Doe", "number": "4111111111111111", "expiration_month": "04", "expiration_year": "28", "cvv": "123" } }, "client_details": { "time_zone_offset": 300, "language": "en-US", "java_enabled": true, "java_script_enabled": true, "screen_color_depth": 16, "screen_height": 768, "screen_width": 1024, "accept_header": "text/html", "ip_address": "162.162.162.162" }, "address": { "name": "John Doe", "line_1": "123 State Street", "line_2": "Apt. 34", "city": "Larnaca", "state": "", "country": "CY", "zip": "123456", "phone_number": "+14155555571" }, "receipt_email": "johndoe@rapyd.net" }' ``` - - Response - ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "62ef7b86-e43c-47b3-86d7-3e5b7511a4f2" }, "data": { "id": "payment_a9ee4a360faead99239df7b8b3602416", "amount": 0, "original_amount": 99, "is_partial": false, "currency_code": "EUR", "country_code": "CY", "status": "ACT", "description": "", "merchant_reference_id": "", "customer_token": "cus_4935a18ff0e1beaa3d5d794f8d1c7751", "payment_method": null, "payment_method_data": { "id": null, "type": "cy_visa_card", "category": "card", "metadata": null, "image": "", "webhook_url": "", "supporting_documentation": "", "next_action": "3d_verification", "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": "28", "expiration_month": "04", "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467", "payment_account_reference": "V001FIBDU4IRFGR2A8Z3I9WHCXXBC", "network_reference_id": "631840" }, "auth_code": null, "expiration": 1751295161, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "johndoe@rapyd.net", "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_a9ee4a360faead99239df7b8b3602416", "complete_payment_url": "https://www.rapyd.net/complete", "error_payment_url": "https://www.rapyd.net/error", "receipt_number": "", "flow_type": "", "address": { "id": "address_dec4b5a3d584a7636206e8ceef1a6a96", "name": "John Doe", "line_1": "123 State Street", "line_2": "Apt. 34", "line_3": "", "city": "Larnaca", "state": "", "country": "CY", "zip": "123456", "phone_number": "+14155555571", "metadata": {}, "canton": "", "district": "", "created_at": 1750690362 }, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1750690361, "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": 99, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": true }, "payment_method_type": "cy_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": "3d_verification", "error_code": "", "remitter_information": {}, "save_payment_method": false, "merchant_advice_code": null, "merchant_advice_message": null, "authentication_result": { "eci": null, "result": "R", "version": "2.2.0", "cardholder_info": null }, "transaction_link_id": null } } ``` 2. Send the redirect URL to the buyer. 3. The buyer opens the URL. An authentication page opens and the buyer receives an authentication code. 4. The buyer enters the code on the authentication page. Rapyd completes the payment. > **Note:** > > Transactions with 3DS authentication must be authenticated within 15 minutes.