3D Secure 2 Component integration

Add native 3D Secure 2 authentication to your integration.

Implementation examples
Node.js

The Components integration handles frictionless and challenge 3D Secure authentication flows, including the data exchange between your front end and the issuer's Access Control Server (ACS).

Follow the instructions on this page if your integration uses the /payments or /payments/details endpoint, and Checkout API 49 or later.

If your integration uses only the /sessions endpoint, you don't need additional configuration for 3D Secure. If you're using Checkout API 46 or earlier, follow instructions in the 3D Secure 2 integration guide for v46 or earlier.

To handle native 3D Secure 2 authentication:

Get additional shopper details in your payment form.
Make a payment request, including additional shopper details.
Handle the 3D Secure 2 action to perform the authentication flow.
Submit the authentication result.
Show the payment result.

Before you begin

This page assumes that you've already either:

Built a Card Component integration.
Built your own UI for collecting shopper's card details.

A strict CSP for your website can prevent native 3D Secure 2 challenges from being loaded on your website. You can use the redirect flow if you don't want to adjust your CSP.

If you are using 3D Secure for PSD2 compliance, read our comprehensive PSD2 SCA guide.

Step 1: Get additional shopper details in your payment form

For higher authentication rates, we strongly recommend that you collect the shopper's email address, cardholder name, billing address, and IP address for payments with 3D Secure authentication.

Step 2: Make a payment

From your server, make a /payments request, specifying:

Your next steps depend on if the /payments response contains an action object. Choose your API version:

Step 3: Handle the 3D Secure 2 action

If your integration uses Card Component v3.6.0 or later to collect the shopper's card details, also use it to handle the 3D Secure 2 action on the same page.

If you built your own UI for collecting the shopper's card details or want to render 3D Secure authentication on a different page than the payment, create a new 3D Secure 2 Component.

Handle Component errors

When an error occurs, Component calls the onError handler.

For errors that happen during the 3D Secure 2 authentication, you don't need to stop the payment flow because the shopper can continue.

Step 4: Submit the authentication result

Step 5: Show the payment result

Use the resultCode from the /payments or /payments/details response to present the payment result to your shopper. You will also receive the outcome of the payment asynchronously in a webhook.

For card payments, you can receive the following resultCode values:

resultCode	Description	Action to take
Authorised	The payment was successful.	Inform the shopper that the payment has been successful. If you are using manual capture, you also need to capture the payment.
Cancelled	The shopper cancelled the payment.	Ask the shopper if they want to continue with the order, or ask them to select a different payment method.
Error	There was an error when the payment was being processed. For more information, check the `refusalReason` field.	Inform the shopper that there was an error processing their payment.
Refused	The payment was refused. For more information, check the `refusalReason` field.	Ask the shopper to try the payment again using a different payment method.

Test and go live

Use our test card numbers to test how your integration handles different 3D Secure authentication scenarios.