EMV® 3-D Secure

Overview

The 3-D Secure process requires that merchants cater for various scenarios. We have our own 3DS emulator that allows testing to take place.

You must test both the Frictionless Flow and the Challenge Flow . For this purpose, we have created two separate tables detailing the test cards.

When testing 3DS you must ensure that the tds parameter is_active is set to true. Once you have submitted the request we will return an authentication URL and the status will be set to tds_pending, click into the tds link in the response body to view either the response or the 3DS emulator.

Example response:

{
    "transaction_id": "49f2a7f6-84cb-338f-34ef-51896124add9",
    "status": "tds_pending",
    "links": [
        {
            "rel": "self",
            "href": "/v1/transactions/49f2a7f6-84cb-338f-34ef-51896124add9"
        },
        {
            "rel": "tds",
            "href": "https://test-api.acquired.com/v1/payments/49f2a7f6-84cb-338f-34ef-51896124add9/tds-auth"
        }
    ]
}

Frictionless Flow:

{"status":"tds_failed","transaction_id":"f8edb56e-760b-a4d8-8b33-8fd682263b43","order_id":"111e0368-3398-4e82-8a5844da45b7e3b2","timestamp":"1681207966","reason":"low_confidence","hash":"06400f2e8687be663bfbba722ecba790fd0ad844ae014f2b9b9d295702dc7e76"}

Challenge Flow:

Select the status that you want to test and the relevant reason from the emulator and we will return a response.

Frictionless flow

Challenge flow

When completing the challenge flow you will be redirected to our 3DS emulator, where you can select the status and reason that you want to test.