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Overview

This guide walks you through how to create a charge with 3D Secure (3DS) authentication parameters using the Payarc API. 3DS adds an extra layer of fraud protection by verifying the cardholder with their issuing bank before the charge is processed.

⚠️

3DS is only supported for Traditional merchants.

Prerequisites

Before you begin, make sure you have:

• A valid Bearer token — see API Authentication
• Access to the sandbox / test environment
• An integration with a 3DS provider

The 3DS authentication flow occurs before the charge request. Your 3DS provider authenticates the cardholder and returns the authentication values required for authorization.

Step 1: Obtain the Required 3DS Fields

Before creating a charge, obtain the following 3DS fields from your provider:

• All card brands:
  • security_protocol
  • eci_indicator
  • ucaf_collection_indicator
• Mastercard only:
  • program_protocol
  • directory_server_transaction_id

For field descriptions and accepted values, see the API Reference.

Step 2: Create a Charge

Submit a charge request with the 3DS fields from Step 1.

• To create a charge, see the API Reference: here
• What you get back: The response includes the complete charge object.

⚠️

Transactions may process as non-3DS if authentication values are not supplied.