Credit Card Payment Flow

there are 4 types of {{payment}} flows for {{cc}} payment methods, namely direct 3ds , redirect 3ds , direct non 3ds, and redirect non 3ds {{paymentproduct}} channels that are only found in payment product s are direct 3ds and direct non 3ds {{paymentproduct}} channels that are only found in checkout product s are redirect 3ds and redirect non 3ds what is 3ds? 3 domain secure (3ds) is a {{cc}} security standard that allows cardholders to obtain identity verification in an otp (one time password) form to a registered cell phone number during {{the}} {{payment}} {{process}} the 3ds {{process}} involves 3 parties, namely cardholders, {{cc}} issuing banks, and merchants or payment gateways it is done to prevent attempts at {{cc}} theft and fraudulent acts when transacting with {{cc}} the difference between 3ds and non 3ds in {{the}} 3ds flow, {{the}} {{cc}} {{transaction}} {{process}} will go through {{the}} 3ds security protocol with identity verification in {{the}} form of otp and additional security, namely {{nicepay}} fds (fraud detection system) in {{the}} non 3ds flow, {{nicepay}} only goes through {{the}} fds (fraud detection system) security {{process}} without using otp authentication from 3ds after {{the}} {{customer}} enters their {{cc}} data direct 3ds in {{the}} direct 3ds {{process}} , {{the}} {{customer}} will continue {{the}} {{cc}} registration {{process}} on {{the}} {{merchant}} 's {{page}} display after going through {{the}} fds calculation {{process}} and checking {{the}} otp authentication the difference with {{the}} redirect {{process}} is with {{the}} {{page}} used the redirect {{process}} uses {{nicepay}} 's {{page}} view after using {{the}} otp authentication checking {{process}} a step by step description of {{the}} {{cc}} direct {{payment}} flow with 3ds the {{customer}} checks out the {{customer}} submits a {{checkout}} to {{the}} {{merchant}} the {{merchant}} registers {{checkout}} data the {{merchant}} sends a response in the form of a card data form to {{the}} {{customer}} the {{customer}} enters card data the {{customer}} sends card data {{information}} to {{the}} {{merchant}} the {{merchant}} sends an application using {{the}} registration {{api}} to {{nicepay}} {{nicepay}} stores orders {{nicepay}} sends a response to the {{merchant}} the {{merchant}} submits payments using {{api}} {{paymentproduct}} to {{nicepay}} {{nicepay}} requests 3ds with {{the}} {{bank}} the {{bank}} verifies {{the}} application the {{bank}} sends a 3ds url response to {{nicepay}} {{nicepay}} sends an authentication {{page}} to {{the}} {{customer}} the {{bank}} sends otp to {{customer}} the {{customer}} sends {{the}} entered otp to {{the}} {{bank}} the {{bank}} performs otp validation the {{bank}} sends {{the}} 3ds results to {{nicepay}} {{nicepay}} does {{the}} fds calculation {{nicepay}} submits a {{payment}} /charge to {{the}} {{bank}} the {{bank}} performs {{the}} {{payment}} {{process}} the {{bank}} sends a {{payment}} response to {{nicepay}} {{nicepay}} sends {{payment}} notifications using callbackurl and dbprocessurl to merchants the {{merchant}} receives notifications the {{merchant}} submits a {{status}} check to {{nicepay}} {{nicepay}} sends a {{status}} check response to the {{merchant}} the {{merchant}} receives {{the}} final status the {{merchant}} sends {{the}} results of {{the}} order to {{the}} {{customer}} redirect 3ds this {{payment}} flow is only found in checkout products in {{the}} 3ds redirect {{process}} , {{the}} {{customer}} will continue {{the}} {{cc}} registration {{process}} on {{the}} display {{page}} provided by {{nicepay}} after going through {{the}} fds calculation {{process}} and checking otp authentication redirects will be very useful when merchants don't need to develop their own website appearance, because {{nicepay}} has provided special {{payment}} facilities to make it easier for merchants the 3ds redirect {{process}} uses {{the}} checkout api docid\ zze5wxfg69spzsgehotnu a step by step description of {{the}} redirect {{cc}} {{payment}} flow with 3ds the {{customer}} checks out the {{customer}} sends checkout data to the {{merchant}} the {{merchant}} submits a checkout using {{api}} registration to {{nicepay}} {{nicepay}} registers checkout data {{nicepay}} transfers payments to {{nicepay}} 's {{page}} to {{the}} {{merchant}} the {{merchant}} sends {{the}} {{nicepay}} {{payment}} {{page}} to {{the}} {{customer}} the {{customer}} selects a {{paymethod}} the {{customer}} enters card data the {{customer}} sends card data {{information}} to {{nicepay}} {{nicepay}} processes fds calculations {{nicepay}} requests 3ds with {{the}} {{bank}} the {{bank}} performs 3ds validation the {{bank}} sends a 3ds url response to {{nicepay}} {{nicepay}} receives a verification response {{nicepay}} redirects {{the}} {{customer}} to {{the}} acs authentication {{page}} the {{bank}} makes an otp response the {{bank}} sends otp to {{the}} {{customer}} the {{customer}} receives an otp the {{customer}} enters otp the {{customer}} sends {{the}} otp to {{the}} {{bank}} the {{bank}} verifies {{the}} otp the {{bank}} sends {{the}} 3ds results to {{nicepay}} {{nicepay}} received {{the}} inspection results {{nicepay}} submits {{payment}} to {{the}} {{bank}} the {{bank}} performs {{the}} {{payment}} {{process}} the {{bank}} sends {{payment}} notifications to {{nicepay}} {{nicepay}} redirects callbackurl to {{merchant}} the {{merchant}} displays {{the}} callbackurl results to {{the}} {{customer}} {{nicepay}} sends {{payment}} notifications to {{the}} {{merchant}} the {{merchant}} receives notifications the {{merchant}} submits an inquiry to {{nicepay}} {{nicepay}} accepts applications {{nicepay}} automatically sends a response inquiry to {{the}} {{merchant}} the {{merchant}} receives {{the}} final status the {{merchant}} sends {{the}} {{transaction}} result {{page}} to {{the}} {{customer}} direct non 3ds in {{the}} non 3ds direct {{process}} , {{the}} {{customer}} will continue {{the}} {{cc}} registration {{process}} on {{the}} {{merchant}} 's {{page}} display after carrying out {{the}} fds (fraud detection system) calculation {{process}} without using an otp the difference within {{the}} redirect {{process}} is on {{the}} {{page}} used the redirect {{process}} uses {{nicepay}} 's {{page}} view after proceeding {{the}} fds (fraud detection system) calculation {{process}} a step by step description of {{the}} direct {{cc}} {{payment}} flow with non 3ds the {{customer}} checks out the {{customer}} submits a {{checkout}} to {{the}} {{merchant}} the {{merchant}} submits {{checkout}} to {{nicepay}} {{nicepay}} register checkout data {{nicepay}} sends a response containing a card data form to {{the}} {{customer}} the {{customer}} enters card data the {{customer}} will send card data {{information}} to {{the}} {{merchant}} the {{merchant}} will send an application using {{the}} register {{api}} to {{nicepay}} {{nicepay}} stores orders {{nicepay}} sends a response to {{the}} {{merchant}} the {{merchant}} submits payments using {{api}} {{paymentproduct}} to {{nicepay}} {{nicepay}} processes fds calculations {{nicepay}} requests a charge to {{the}} {{bank}} the {{bank}} verifies {{the}} application the {{bank}} submits {{payment}} confirmation the {{customer}} submits {{payment}} the {{bank}} performs {{the}} {{payment}} {{process}} the {{bank}} sends {{payment}} to {{nicepay}} {{nicepay}} sends callbackurl and dbprocessurl {{payment}} notifications to merchants the {{merchant}} receives a {{notification}} the {{merchant}} submits {{the}} {{status}} to {{nicepay}} {{nicepay}} sends {{status}} check results the {{merchant}} receives {{the}} final {{status}} the {{merchant}} chant sends {{the}} results of {{the}} order to {{the}} {{customer}} redirect non 3ds this {{payment}} flow is only found in checkout products in {{the}} non 3ds redirect {{process}} , {{the}} {{customer}} will continue {{the}} {{cc}} registration {{process}} on {{the}} {{page}} view provided by {{nicepay}} after carrying out {{the}} fds (fraud detection system) calculation {{process}} without using an otp redirects will be very useful when merchants don't need to develop their own website appearance, because {{nicepay}} has provided special {{payment}} facilities to make it easier for merchants description of redirect {{cc}} {{payment}} flow steps with non 3ds the {{customer}} checks out the {{customer}} submits a {{checkout}} to {{the}} {{merchant}} the {{merchant}} registers {{checkout}} data the {{merchant}} sends a response in {{the}} form of a card data form the {{customer}} submits a {{checkout}} to {{the}} {{merchant}} the {{merchant}} registers orders using {{the}} registration {{api}} with {{nicepay}} {{nicepay}} saves order registration {{nicepay}} } redirects {{merchant}} to {{the}} {{nicepay}} {{page}} the {{merchant}} sends {{the}} {{nicepay}} {{page}} to {{the}} {{customer}} the {{customer}} selects a {{paymethod}} the {{customer}} enters card details the {{customer}} submits payments using {{api}} {{paymentproduct}} to {{nicepay}} {{nicepay}} does {{the}} fds calculation {{nicepay}} submits {{payment}} to {{the}} {{bank}} the {{bank}} verifies {{the}} application the {{bank}} sends a {{payment}} confirmation application to {{the}} {{customer}} the {{customer}} submits a {{payment}} /charge to {{the}} {{bank}} the {{bank}} performs {{the}} {{payment}} {{process}} the {{bank}} sends a {{payment}} response to {{nicepay}} {{nicepay}} sends {{payment}} notifications using callbackurl and dbprocessurl to merchants the {{merchant}} receives notifications the {{merchant}} submits a {{status}} check to {{nicepay}} {{nicepay}} sends a {{status}} check response the {{merchant}} receives {{the}} final {{status}} the {{merchant}} sends {{the}} results of {{the}} order to {{the}} {{customer}} see also {{visit}} {{the}} credit card feature docid 5p povp7xv ohkyiebaoc {{page}} to find out {{the}} {{transaction}} feature on {{the}} {{cc}} {{visit}} {{the}} credit card integration & testing docid 2focrf187wmmssoaih3mb {{page}} to find out how to perform {{integration}} and {{testing}} of {{the}} {{nicepay}} {{cc}} {{system}} {{visit}} {{the}} credit card glossary docid\ lympdhtmzc37vzj44gua {{page}} to find out {{the}} particular term used on {{cc}} {{visit}} {{the}} credit card faq docid 1jamanpr0 tuq4itp618p {{page}} if you want to find out frequently asked questions related to {{cc}}