{"templateId":"markdown","versions":[{"version":"20240601","label":"2024-06-01 (Latest)","link":"/products/payments/enable-features/3ds-authentication/integrated-3ds","default":true,"active":true,"folderId":"15ab58d6"}],"sharedDataIds":{"sidebar":"sidebar-products/payments/sidebars.yaml","current-catalog-info":"current-catalog-info-/products/payments/openapi"},"props":{"metadata":{"markdoc":{"tagList":["partial","admonition","cards","card","tabs","tab","code-snippet"]},"custom_product":"Payments","type":"markdown"},"seo":{"title":"Integrated 3DS Authentication | Payments API","description":"Worldpay for Developers - docs, code examples, resources and tools. 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data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"825\" y1=\"281\" x2=\"576\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"571\" y1=\"335\" x2=\"312\" y2=\"335\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"307\" y1=\"389\" x2=\"79\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"571\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"443\" x2=\"1066\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"574\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1069\" y1=\"497\" x2=\"79\" y2=\"497\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"573\" y1=\"551\" x2=\"822\" y2=\"551\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"947\" y=\"566\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization request</text><line x1=\"827\" y1=\"605\" x2=\"1066\" y2=\"605\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"950\" y=\"620\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization response</text><line x1=\"1069\" y1=\"659\" x2=\"830\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData response</text><line x1=\"825\" y1=\"713\" x2=\"576\" y2=\"713\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"698\" y=\"728\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement request</text><line x1=\"573\" y1=\"767\" x2=\"822\" y2=\"767\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"782\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlement response</text><line x1=\"825\" y1=\"821\" x2=\"576\" y2=\"821\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"836\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Transaction complete</text><line x1=\"571\" y1=\"875\" x2=\"312\" y2=\"875\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-a496196e9713f2af3525da34381c2dd723b007b85ab66df7b309a2b211e77c5e-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Issuer: Authorization request\n    Issuer->>Payments_API: Authorization response\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Payments_API: Settlement request\n    Payments_API->>Merchant_Backend: Settlement response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"3DS Web (challenge)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Card payment with ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/enable-features/3ds-authentication/integrated-3ds"},"children":["3DS authentication enabled"]},", resulting in a challenged issuer response."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1249px;\" viewBox=\"-50 -10 1249 1357\" 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data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"825\" y1=\"281\" x2=\"576\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"571\" y1=\"335\" x2=\"312\" y2=\"335\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"307\" y1=\"389\" x2=\"79\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"573\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"443\" x2=\"1070\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"576\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1073\" y1=\"497\" x2=\"79\" y2=\"497\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"573\" y1=\"551\" x2=\"822\" y2=\"551\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"566\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"307\" y1=\"713\" x2=\"79\" y2=\"713\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-b24a656466ca8623b9ffc43c1c1ed05ea2d75c487a7cf1a41a4ee65d0900e490-arrowhead)\" style=\"fill: none;\"></line><text x=\"573\" y=\"728\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line 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data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"825\" y1=\"281\" x2=\"576\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"571\" y1=\"335\" x2=\"312\" y2=\"335\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"307\" y1=\"389\" x2=\"79\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"573\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"443\" x2=\"1070\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"576\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1073\" y1=\"497\" x2=\"79\" y2=\"497\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"573\" y1=\"551\" x2=\"822\" y2=\"551\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"566\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData response</text><line x1=\"825\" y1=\"605\" x2=\"576\" y2=\"605\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"620\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"571\" y1=\"659\" x2=\"312\" y2=\"659\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"674\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"307\" y1=\"713\" x2=\"79\" y2=\"713\" class=\"messageLine0\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"573\" y=\"728\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"767\" x2=\"1070\" y2=\"767\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"576\" y=\"782\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return to merchant site</text><line x1=\"1073\" y1=\"821\" x2=\"79\" y2=\"821\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"836\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges request</text><line x1=\"573\" y1=\"875\" x2=\"822\" y2=\"875\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"949\" y=\"890\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Request</text><line x1=\"827\" y1=\"929\" x2=\"1070\" y2=\"929\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"952\" y=\"944\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Response</text><line x1=\"1073\" y1=\"983\" x2=\"830\" y2=\"983\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"998\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges response</text><line x1=\"825\" y1=\"1037\" x2=\"576\" y2=\"1037\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"698\" y=\"1052\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements request</text><line x1=\"573\" y1=\"1091\" x2=\"822\" y2=\"1091\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"1106\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements response</text><line x1=\"825\" y1=\"1145\" x2=\"576\" y2=\"1145\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"1160\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Transaction complete</text><line x1=\"571\" y1=\"1199\" x2=\"312\" y2=\"1199\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-121f068fa092ad0e454507cc3b1c70e6702f80b94d6980ca206538b41664b46a-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"3DS iOS/Android (challenge)","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Card payment with ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/payments/enable-features/3ds-authentication/integrated-3ds"},"children":["3DS authentication enabled"]},", resulting in a challenged issuer response."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Merchant_App as Merchant App\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Merchant_App->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_App: DeviceData - JWT\n    Note over Merchant_App: Cardinal SDK: Initialize\n    Merchant_App-->>Issuer: Device App data\n    Issuer-->>Merchant_App: consumerSessionId  \n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Note left of Payments_API: Includes consumerSessionId\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_App: Challenge - Payload\n    Note over Merchant_App: Cardinal SDK: Display Challenge\n    Merchant_App-->>Issuer: Challenge Data\n    Issuer-->>Merchant_App: Challenge Complete\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_App: Transaction complete\n    Note left of Merchant_App: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1120px;\" viewBox=\"-160 -10 1120 1351\" role=\"graphics-document document\" 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font-weight: 400;\">Pay</text><line x1=\"76\" y1=\"119\" x2=\"301\" y2=\"119\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Merchant_App\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"445\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment request</text><line x1=\"306\" y1=\"173\" x2=\"583\" y2=\"173\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"586\" y1=\"227\" x2=\"309\" y2=\"227\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"192\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - JWT</text><line x1=\"304\" y1=\"281\" x2=\"79\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"454\" y=\"348\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Device App data</text><line x1=\"76\" y1=\"387\" x2=\"831\" y2=\"387\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"457\" y=\"402\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">consumerSessionId</text><line x1=\"834\" y1=\"441\" x2=\"79\" y2=\"441\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"456\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"306\" y1=\"495\" x2=\"583\" y2=\"495\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"562\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData response</text><line x1=\"586\" y1=\"601\" x2=\"309\" y2=\"601\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"192\" y=\"616\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge - Payload</text><line x1=\"304\" y1=\"655\" x2=\"79\" y2=\"655\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"454\" y=\"722\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge Data</text><line x1=\"76\" y1=\"761\" x2=\"831\" y2=\"761\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"457\" y=\"776\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge Complete</text><line x1=\"834\" y1=\"815\" x2=\"79\" y2=\"815\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"830\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges request</text><line x1=\"306\" y1=\"869\" x2=\"583\" y2=\"869\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"710\" y=\"884\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Request</text><line x1=\"588\" y1=\"923\" x2=\"831\" y2=\"923\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f59d32cfa240a532ddbf75e292bd8d080ceba33cab393e0af450010e073719db-arrowhead)\" style=\"fill: none;\"></line><text x=\"713\" y=\"938\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization 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x=\"-18\" y=\"291\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"186\" height=\"42\" class=\"note\"></rect><text x=\"75\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"75\">Cardinal SDK: Initialize</tspan></text></g><g data-et=\"note\" data-id=\"i8\"><rect x=\"330\" y=\"505\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"232\" height=\"42\" class=\"note\"></rect><text x=\"446\" y=\"510\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"446\">Includes consumerSessionId</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"-53\" y=\"665\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"256\" height=\"42\" class=\"note\"></rect><text x=\"75\" y=\"670\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"75\">Cardinal SDK: Display Challenge</tspan></text></g><g data-et=\"note\" data-id=\"i21\"><rect x=\"-110\" y=\"1203\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"160\" height=\"42\" class=\"note\"></rect><text x=\"-30\" y=\"1208\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"-30\">Order receipt page</tspan></text></g><text x=\"189\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"76\" y1=\"119\" x2=\"301\" y2=\"119\" class=\"messageLine0\" data-et=\"message\" data-id=\"i0\" data-from=\"Merchant_App\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"445\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment request</text><line x1=\"306\" y1=\"173\" x2=\"583\" y2=\"173\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"586\" y1=\"227\" x2=\"309\" y2=\"227\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"192\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - JWT</text><line x1=\"304\" y1=\"281\" x2=\"79\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"454\" y=\"348\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Device App data</text><line x1=\"76\" y1=\"387\" x2=\"831\" y2=\"387\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"457\" y=\"402\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">consumerSessionId</text><line x1=\"834\" y1=\"441\" x2=\"79\" y2=\"441\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"456\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"306\" y1=\"495\" x2=\"583\" y2=\"495\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"562\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData response</text><line x1=\"586\" y1=\"601\" x2=\"309\" y2=\"601\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"192\" y=\"616\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge - Payload</text><line x1=\"304\" y1=\"655\" x2=\"79\" y2=\"655\" class=\"messageLine0\" data-et=\"message\" data-id=\"i10\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"454\" y=\"722\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge Data</text><line x1=\"76\" y1=\"761\" x2=\"831\" y2=\"761\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_App\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"457\" y=\"776\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge Complete</text><line x1=\"834\" y1=\"815\" x2=\"79\" y2=\"815\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Issuer\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"445\" y=\"830\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges request</text><line x1=\"306\" y1=\"869\" x2=\"583\" y2=\"869\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"710\" y=\"884\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Request</text><line x1=\"588\" y1=\"923\" x2=\"831\" y2=\"923\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"713\" y=\"938\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Response</text><line x1=\"834\" y1=\"977\" x2=\"591\" y2=\"977\" class=\"messageLine0\" data-et=\"message\" data-id=\"i16\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"992\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges response</text><line x1=\"586\" y1=\"1031\" x2=\"309\" y2=\"1031\" class=\"messageLine0\" data-et=\"message\" data-id=\"i17\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"445\" y=\"1046\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements request</text><line x1=\"306\" y1=\"1085\" x2=\"583\" y2=\"1085\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"448\" y=\"1100\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements response</text><line x1=\"586\" y1=\"1139\" x2=\"309\" y2=\"1139\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line><text x=\"192\" y=\"1154\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Transaction complete</text><line x1=\"304\" y1=\"1193\" x2=\"79\" y2=\"1193\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Merchant_Backend\" data-to=\"Merchant_App\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f7f6692fbec90c27df0915147767c4b63c8c56f7c8c9fc91d87cc2c75b5fa950-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Merchant_App as Merchant App\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Issuer\n    Merchant_App->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_App: DeviceData - JWT\n    Note over Merchant_App: Cardinal SDK: Initialize\n    Merchant_App-->>Issuer: Device App data\n    Issuer-->>Merchant_App: consumerSessionId  \n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Note left of Payments_API: Includes consumerSessionId\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_App: Challenge - Payload\n    Note over Merchant_App: Cardinal SDK: Display Challenge\n    Merchant_App-->>Issuer: Challenge Data\n    Issuer-->>Merchant_App: Challenge Complete\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_App: Transaction complete\n    Note left of Merchant_App: Order receipt page\n\n"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Example using Checkout SDK","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["An example using the Checkout SDK to provide the card details using a low PCI set of hosted card fields. The rest of the flow is the same as the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3DS Web (challenge)"]}," tab."]},{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Checkout_Sessions as Checkout Sessions\n    participant Issuer\n    Note over Merchant_Frontend: Checkout JS added to page \n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Note over Merchant_Backend,Payments_API: Using Checkout SDK session\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n","diagramHtml":"<svg id=\"diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b\" width=\"100%\" xmlns=\"http://www.w3.org/2000/svg\" style=\"max-width: 1409px;\" viewBox=\"-50 -10 1409 1569\" role=\"graphics-document document\" aria-roledescription=\"sequence\"><g><rect x=\"1159\" y=\"1483\" fill=\"#eaeaea\" stroke=\"#666\" width=\"150\" height=\"65\" name=\"Issuer\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"1234\" y=\"1515.5\" dominant-baseline=\"central\" alignment-baseline=\"central\" class=\"actor actor-box\" style=\"text-anchor: middle; font-size: 16px; font-weight: 400; font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif;\"><tspan x=\"1234\" dy=\"0\">Issuer</tspan></text></g><g><rect x=\"951\" y=\"1483\" fill=\"#eaeaea\" stroke=\"#666\" width=\"158\" height=\"65\" name=\"Checkout_Sessions\" rx=\"3\" ry=\"3\" class=\"actor actor-bottom\"></rect><text x=\"1030\" y=\"1515.5\" dominant-baseline=\"central\" 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class=\"note\"></rect><text x=\"201\" y=\"1426\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"201\">Order receipt page</tspan></text></g><text x=\"190\" y=\"132\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"171\" x2=\"304\" y2=\"171\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"668\" y=\"186\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"309\" y1=\"225\" x2=\"1026\" y2=\"225\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"671\" y=\"240\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"1029\" y1=\"279\" x2=\"312\" y2=\"279\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" y=\"294\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"309\" y1=\"333\" x2=\"568\" y2=\"333\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"698\" y=\"348\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment request</text><line x1=\"573\" y1=\"387\" x2=\"822\" y2=\"387\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"454\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"825\" y1=\"493\" x2=\"576\" y2=\"493\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"508\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"571\" y1=\"547\" x2=\"312\" y2=\"547\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"562\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"307\" y1=\"601\" x2=\"79\" y2=\"601\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: none;\"></line><text x=\"653\" y=\"616\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"655\" x2=\"1230\" y2=\"655\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"656\" y=\"670\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1233\" y1=\"709\" x2=\"79\" y2=\"709\" class=\"messageLine1\" data-et=\"message\" data-id=\"i11\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"724\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"573\" y1=\"763\" x2=\"822\" y2=\"763\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-84f1b4bf52104a3bc6bb48d7cecee673310d413dbd4119d2fdc585ee8fdd730b-arrowhead)\" style=\"fill: 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class=\"note\"></rect><text x=\"201\" y=\"1426\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"201\">Order receipt page</tspan></text></g><text x=\"190\" y=\"132\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"171\" x2=\"304\" y2=\"171\" class=\"messageLine0\" data-et=\"message\" data-id=\"i1\" data-from=\"Browser\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"668\" y=\"186\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Create session</text><line x1=\"309\" y1=\"225\" x2=\"1026\" y2=\"225\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Frontend\" data-to=\"Checkout_Sessions\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"671\" y=\"240\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return session</text><line x1=\"1029\" y1=\"279\" x2=\"312\" y2=\"279\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"Checkout_Sessions\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"439\" y=\"294\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"309\" y1=\"333\" x2=\"568\" y2=\"333\" class=\"messageLine0\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant_Frontend\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"698\" y=\"348\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment request</text><line x1=\"573\" y1=\"387\" x2=\"822\" y2=\"387\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"454\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment response</text><line x1=\"825\" y1=\"493\" x2=\"576\" y2=\"493\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"508\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">DeviceData - BIN/JWT/URL</text><line x1=\"571\" y1=\"547\" x2=\"312\" y2=\"547\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"562\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS Device Data form</text><line x1=\"307\" y1=\"601\" x2=\"79\" y2=\"601\" class=\"messageLine0\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"653\" y=\"616\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"655\" x2=\"1230\" y2=\"655\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"656\" y=\"670\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">PostMessage: dfReferenceId</text><line x1=\"1233\" y1=\"709\" x2=\"79\" y2=\"709\" class=\"messageLine1\" data-et=\"message\" data-id=\"i11\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"724\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData request</text><line x1=\"573\" y1=\"763\" x2=\"822\" y2=\"763\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"778\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsDeviceData response</text><line x1=\"825\" y1=\"817\" x2=\"576\" y2=\"817\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"832\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Challenge JWT/URL</text><line x1=\"571\" y1=\"871\" x2=\"312\" y2=\"871\" class=\"messageLine0\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"193\" y=\"886\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3DS challenge form</text><line x1=\"307\" y1=\"925\" x2=\"79\" y2=\"925\" class=\"messageLine0\" data-et=\"message\" data-id=\"i15\" data-from=\"Merchant_Frontend\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"653\" y=\"940\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Form post</text><line x1=\"76\" y1=\"979\" x2=\"1230\" y2=\"979\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Browser\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"656\" y=\"994\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return to merchant site</text><line x1=\"1233\" y1=\"1033\" x2=\"79\" y2=\"1033\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Issuer\" data-to=\"Browser\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"698\" y=\"1048\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges request</text><line x1=\"573\" y1=\"1087\" x2=\"822\" y2=\"1087\" class=\"messageLine0\" data-et=\"message\" data-id=\"i18\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"1029\" y=\"1102\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Request</text><line x1=\"827\" y1=\"1141\" x2=\"1230\" y2=\"1141\" class=\"messageLine0\" data-et=\"message\" data-id=\"i19\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"1032\" y=\"1156\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization Response</text><line x1=\"1233\" y1=\"1195\" x2=\"830\" y2=\"1195\" class=\"messageLine0\" data-et=\"message\" data-id=\"i20\" data-from=\"Issuer\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"1210\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">3dsChallenges response</text><line x1=\"825\" y1=\"1249\" x2=\"576\" y2=\"1249\" class=\"messageLine0\" data-et=\"message\" data-id=\"i21\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"698\" y=\"1264\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements request</text><line x1=\"573\" y1=\"1303\" x2=\"822\" y2=\"1303\" class=\"messageLine0\" data-et=\"message\" data-id=\"i22\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"701\" y=\"1318\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Settlements response</text><line x1=\"825\" y1=\"1357\" x2=\"576\" y2=\"1357\" class=\"messageLine0\" data-et=\"message\" data-id=\"i23\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line><text x=\"442\" y=\"1372\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Transaction complete</text><line x1=\"571\" y1=\"1411\" x2=\"312\" y2=\"1411\" class=\"messageLine0\" data-et=\"message\" data-id=\"i24\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-f44091c4c8045b265e4719b5497adb2df9de90788c834e6272d764b1284b20cd-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant Payments_API as Payments API\n    participant Checkout_Sessions as Checkout Sessions\n    participant Issuer\n    Note over Merchant_Frontend: Checkout JS added to page \n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Checkout_Sessions: Create session\n    Checkout_Sessions->>Merchant_Frontend: Return session \n    Merchant_Frontend->>Merchant_Backend: Pay \n    Merchant_Backend->>Payments_API: Payment request\n    Note over Merchant_Backend,Payments_API: Using Checkout SDK session\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Merchant_Frontend: DeviceData - BIN/JWT/URL\n    Merchant_Frontend->>Browser: 3DS Device Data form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: PostMessage: dfReferenceId\n    Merchant_Backend->>Payments_API: 3dsDeviceData request\n    Payments_API->>Merchant_Backend: 3dsDeviceData response\n    Merchant_Backend->>Merchant_Frontend: Challenge JWT/URL\n    Merchant_Frontend->>Browser: 3DS challenge form\n    Browser-->>Issuer: Form post\n    Issuer-->>Browser: Return to merchant site\n    Merchant_Backend->>Payments_API: 3dsChallenges request\n    Payments_API->>Issuer: Authorization Request\n    Issuer->>Payments_API: Authorization Response\n    Payments_API->>Merchant_Backend: 3dsChallenges response\n    Merchant_Backend->>Payments_API: Settlements request\n    Payments_API->>Merchant_Backend: Settlements response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"device-data-collection","__idx":5},"children":["Device Data Collection"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When Payments API returns ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["3dsDeviceDataRequired"]},", the response includes the information required to perform Device Data Collection."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The response also includes a ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["supply3dsDeviceData"]}," action. 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