--- title: "Simulating 'Create Payment' with 3DS - API" source_url: https://docs.rapyd.net/en/simulating--create-payment--with-3ds---api.html lang: en --- # Simulating 'Create Payment' with 3DS - API When you create a card payment, 3DS authentication of the cardholder is sometimes required. You can use the API to simulate this process in the sandbox. Relevant where the payment method category is **card**. Simulated card operations with 3DS authentication must be authenticated within 15 minutes. The 3DS simulator authenticates the card, the payment is created, and Rapyd sends a webhook. Prerequisites - Keys to the sandbox environment for your user. - A properly configured testing tool. ### How 1. Create a payment with one of the following settings: - Set `amount` to 1000 or above. Certain amounts above 2000 trigger specific errors instead of the 3DS flow. See [Error Simulation](https://docs.rapyd.net/en/error-simulation.md "Error Simulation"). - For an amount below 1000, set `payment_method_options.3d_required` to **true**. Relevant to card payment methods where 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 `3d_required`. For example: - - Request - ```json curl -X post 'https://sandboxapi.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' \ --data-raw '{ "amount": 1050, "currency": "USD", "payment_method": { "type": "is_visa_card", "fields": { "number": "4111111111111111", "expiration_month": "12", "expiration_year": "25", "cvv": "789", "name": "John Doe" } }, "capture": true }' ``` The platform returns the following response and the **PAYMENT_SUCCEEDED** webhook, which has the same content: - - Response - ```json { "status": { "error_code": "", "status": "SUCCESS", "message": "", "response_code": "", "operation_id": "3c7d66c1-29f2-4ade-8d52-7257e7ae353c" }, "data": { "id": "payment_b050cb27b65c3d7b742e59e0f68d059c", "amount": 0, "original_amount": 1050, "is_partial": false, "currency_code": "USD", "country_code": "IS", "status": "ACT", "description": "", "merchant_reference_id": "", "customer_token": "cus_ed5296d1eea780f310cfecbf37a88c63", "payment_method": null, "payment_method_data": { "id": null, "type": "is_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": "25", "expiration_month": "12", "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467", "payment_account_reference": "V001R9YSPI6WE4AHTSTYFLXHQMHJJ", "network_reference_id": "938151" }, "auth_code": null, "expiration": 1751298192, "captured": true, "refunded": false, "refunded_amount": 0, "receipt_email": "", "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_b050cb27b65c3d7b742e59e0f68d059c", "complete_payment_url": "", "error_payment_url": "", "receipt_number": "", "flow_type": "", "address": null, "statement_descriptor": "Doc Team", "transaction_id": "", "created_at": 1750693392, "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": 1050, "percent": 100, "refunded_amount": 0 } ], "payment_method_options": { "3d_required": true }, "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": "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 } } ``` Note the following fields: | Field | Description | | --- | --- | | `next_action` | **3d_verification** - 3DS authentication is required to complete the operation. | | `redirect_url` | The URL for simulating 3DS authentication. | | `status` | **ACT** - The payment is active and awaiting completion of 3DS. | 2. Paste the redirect URL into the address bar of your browser. The **Rapyd 3DS Simulator** page appears. ![3ds.png](image/img-42b7ded26b8090dcf0d45d4984efc325.png) 3. Type **123456**, then click **Continue**. The platform returns the **PAYMENT_COMPLETED** webhook. - - Webhook - ```json { "id": "wh_e97f2239ed679bbfd3d9ad879d72c98c", "type": "PAYMENT_COMPLETED", "data": { "id": "payment_27431c499e6c82b24f83ec588963d726", "mid": "", "paid": true, "order": null, "amount": 1053, "escrow": null, "status": "CLO", "address": null, "dispute": null, "fx_rate": 1, "invoice": "", "outcome": null, "paid_at": 1750841566, "refunds": null, "captured": true, "ewallets": [ { "amount": 1053, "percent": 100, "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861", "refunded_amount": 0 } ], "metadata": {}, "refunded": false, "auth_code": null, "flow_type": "", "created_at": 1750841516, "error_code": "", "ewallet_id": "ewallet_c1943cfeda5f98247ab117e5d2648861", "expiration": 1751446316, "fixed_side": "", "is_partial": false, "description": "", "next_action": "not_applicable", "country_code": "IS", "failure_code": "", "instructions": [ { "name": "instructions", "steps": [ { "step1": "" } ] } ], "payment_fees": null, "redirect_url": "https://sandboxcheckout.rapyd.net/3ds-payment?token=payment_27431c499e6c82b24f83ec588963d726", "visual_codes": {}, "cancel_reason": null, "currency_code": "USD", "group_payment": "", "receipt_email": "", "textual_codes": {}, "customer_token": "cus_fb08bee976325bb212225931843e4508", "payment_method": null, "receipt_number": "", "transaction_id": "", "failure_message": "", "initiation_type": "customer_present", "original_amount": 1053, "refunded_amount": 0, "error_payment_url": "", "payment_method_data": { "id": null, "name": "John Doe", "type": "is_visa_card", "image": "", "last4": "1111", "category": "card", "metadata": null, "acs_check": "pass", "cvv_check": "unchecked", "bin_details": { "type": "DEBIT", "brand": "VISA", "level": "CLASSIC", "issuer": "CONOTOXIA SP. Z O.O", "country": "PL", "bin_number": "411111" }, "next_action": "not_applicable", "webhook_url": "", "expiration_year": "25", "expiration_month": "12", "fingerprint_token": "ocfp_e599f990674473ce6283b245e9ad2467", "network_reference_id": "186036", "supporting_documentation": "", "payment_account_reference": "V001AN5956F1GYR4XNN2CEKD1JVYA" }, "payment_method_type": "is_visa_card", "save_payment_method": false, "transaction_link_id": null, "complete_payment_url": "", "merchant_advice_code": null, "remitter_information": {}, "statement_descriptor": "Doc Team", "authentication_result": { "eci": "05", "result": "A", "version": "2.2.0", "cardholder_info": null }, "merchant_reference_id": "", "payment_method_options": { "3d_required": true }, "merchant_advice_message": null, "merchant_requested_amount": null, "merchant_requested_currency": null, "payment_method_type_category": "card" }, "trigger_operation_id": "b37b08b6-f755-4a2f-b18e-8a218363d7ee", "status": "NEW", "created_at": 1750841566, "extended_timestamp": 1750841566883 } ``` Note that the status has changed to **CLO** (closed).