System Flow for 3DS

1. Consumer initiate payment transaction and enter credit card details at merchant’s system.
2. Merchant forms payment request, submit to 2C2P and redirects consumer’s browser to 2C2P Payment Gateway.
3. 2C2P verify the payment request and redirect consumer to ACS page for 3DS authentication.
4. Consumer enters PIN at ACS page.
5. ACS returns authentication result to 2C2P Payment Gateway.
6. 2C2P process payment transaction with Acquiring Bank.
7. Acquiring Bank returns the authorization status to 2C2P.
8. 2C2P update the status and return the payment response to merchant’s backend URL via backend notification.
9. 2C2P returns the payment response to merchant’s frontend return URL and redirect consumer’s browser to merchant’s frontend return URL.

System Flow for Non-3DS

The flow will be subset of 3DS flow in which there is no step 3-5 that involve ACS.