To integrate 3DS2 authentication with a merchant's or payment gateway's eCommerce site, the checkout process of the eCommerce site needs to implement a 3DS Requestor as per the EMV 3D Secure 2.0 specifications. The 3DS Requestor implementation in the checkout process will communicate with ActiveServer via it's Authentication API and assist with the browser information collecting and 3DS Method process (if any) to finish a 3DS2 authentication.
ActiveServer provides a reference implementation of a 3DS Requestor in the form of source code to help clients implement the 3DS Requestor process in their existing checkout process.
ActiveServer allows external components such as the 3DS Requestor to access it's features via Restful APIs. These API calls are operations that an application can invoke at runtime to perform certain tasks. All API requests and responses are in JSON format, which is a lightweight format for transporting data.
For details of the API documentation, refer to the API document overview.
The Integration section of the documentation provides an introductory guide on how to implement a 3DS Requestor in your merchant site and integrate with ActiveServer, then perform a test transaction. For information regarding merchant App integration, refer to the ActiveSDK documentation.
To utilise 3DS2, the merchant site needs to implement two parts: a 3DS web adapter at the front end and a 3DS Requestor at the back end. The following diagram shows the relationship between the browser, the 3DS web adapter, the 3DS Requestor and ActiveServer:
3DS Requestor - The 3DS Requestor is the backend component implemented to act as a bridge between the 3DS web adapter and ActiveServer. It receives the 3DS authentication requests from the 3DS web adapter, formulates the requests, and sends the requests to ActiveServer. It also receives the authentication results from ActiveServer and forwards the results to the 3DS web adapter.
Making a transaction¶
To simulate a transaction with 3DS2, you can use this demo merchant website to see how the Authentication API works.
As this demo merchant website is used as an example throughout this integration guide, please try using it before now before continuing with integration. All the features are explained here for reference.
To initiate a frictionless transaction, open the demo merchant website, launch the Online shop page, and add an item to the cart.
Select the Checkout button to move to the checkout page.
Default payment and billing information has been pre-filled, including a card number, which can be used to complete the transaction. Select the Continue to checkout button to trigger the 3DS2 authentication process.
The 3DS web adapter will collect the cardholder information and send it to the 3DS Requestor. The 3DS Requestor will formulate this into an API request and forward it to ActiveServer, which will initiate 3DS2 messaging. The 3DS Requestor will then wait for the authentication result and forward the result back to the 3DS web adapter, to be displayed on the following web page.
This completes a transaction using the frictionless flow. The simulated transaction was deemed as low risk and hence, no challenge was required.
To test the challenge flow, select the Back to Shop button and again add an item to the cart and go to the checkout page. This time, use the card number 4100000000005000 and continue to checkout. In this simulation, the transaction has been deemed as high risk and further cardholder interaction is required, thereby initiating the challenge flow. The following challenge screen will be displayed, for this demo the password is 123456.
Entering the password should result in a successful transaction. In a production scenario, this challenge method could be a variety of different methods, such as OTP or biometrics, depending on the issuer's ACS and authentication methods registered with the cardholder.
Select Next in the footer below to learn more about the Authentication processes.