3DS 2 Authentication Flows
There are two types of authentication flows (frictionless and challenge) that a 3D Secure 2 authentication may go through.Frictionless#
A frictionless flow is triggered when you have submitted the required request data (customer's fingerprint and any other additional data provided) to the issuer, and the issuer opts to authenticate the customer with this data. In this scenario the transaction is processed without any interaction from the customer.Challenge#
A challenge flow is triggered when the issuer opts to have the customer provide additional identification via two-factor authentication (this may be via an SMS or biometrics).The 3D Secure 2 authentication flow can be depicted in 7 steps, as seen in the diagram below.If you have your own MPI provider, you will be completing steps 1 through to 6 via your own MPI and should then use the Authorization Only processCard to complete the transaction. Modified at 2026-07-31 05:09:50
