In the world of e-Payment, fear of online fraud holds many credit card holders back from all sorts of online activities (shopping, transactions, subscriptions, etc). One of the main goals of introducing 3-D secure industry standard solutions by Visa and MasterCard is to increase security during e-Payment transactions and prevent fraud.
All create payment API calls default to 3-D secure. This is configurable using the creditcard source[3ds] parameter in the payment object.
Upon creation, the returned payment object will include transaction_url and the credit card user should be redirected to continue the transaction at the issuing bank gateway.
After successful authorization, the user will be charged, and redirected by API to the customer’s site as specified in the callback_url parameter.
The payment’s id, status, and message will be appended to callback_url original query parameters during redirection.