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marker-end=\"url(#diagram-bf3a14d30742988da9ef9c044f334ca8a8beadde22afba64dcc92b9c66ee53dd-arrowhead)\" style=\"fill: none;\"></line><text x=\"693\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Initiate 3DS authentication</text><line x1=\"516\" y1=\"227\" x2=\"869\" y2=\"227\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"External_3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-bf3a14d30742988da9ef9c044f334ca8a8beadde22afba64dcc92b9c66ee53dd-arrowhead)\" style=\"fill: none;\"></line><text x=\"1102\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 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data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-bf3a14d30742988da9ef9c044f334ca8a8beadde22afba64dcc92b9c66ee53dd-arrowhead)\" style=\"fill: none;\"></line><text x=\"1210\" y=\"510\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization request</text><line x1=\"1090\" y1=\"549\" x2=\"1329\" y2=\"549\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-bf3a14d30742988da9ef9c044f334ca8a8beadde22afba64dcc92b9c66ee53dd-arrowhead)\" style=\"fill: none;\"></line><text x=\"1213\" y=\"564\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"693\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Initiate 3DS authentication</text><line x1=\"516\" y1=\"227\" x2=\"869\" y2=\"227\" class=\"messageLine0\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant_Backend\" data-to=\"External_3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"1102\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"874\" y1=\"281\" x2=\"1329\" y2=\"281\" class=\"messageLine0\" data-et=\"message\" data-id=\"i3\" data-from=\"External_3DS\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"1105\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Frictionless authentication response</text><line x1=\"1332\" y1=\"335\" x2=\"877\" y2=\"335\" class=\"messageLine1\" data-et=\"message\" data-id=\"i4\" data-from=\"Issuer\" data-to=\"External_3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"696\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Return ECI, authValue, dsTransactionId</text><line x1=\"872\" y1=\"389\" x2=\"519\" y2=\"389\" class=\"messageLine0\" data-et=\"message\" data-id=\"i5\" data-from=\"External_3DS\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"801\" y=\"456\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Payment request (threeDS.type: \"external\")</text><line x1=\"516\" y1=\"495\" x2=\"1085\" y2=\"495\" class=\"messageLine0\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant_Backend\" data-to=\"Payments_API\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"1210\" y=\"510\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authorization request</text><line x1=\"1090\" y1=\"549\" x2=\"1329\" y2=\"549\" class=\"messageLine0\" data-et=\"message\" data-id=\"i8\" data-from=\"Payments_API\" data-to=\"Issuer\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"1213\" y=\"564\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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response</text><line x1=\"1088\" y1=\"765\" x2=\"519\" y2=\"765\" class=\"messageLine0\" data-et=\"message\" data-id=\"i12\" data-from=\"Payments_API\" data-to=\"Merchant_Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line><text x=\"402\" y=\"780\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Transaction complete</text><line x1=\"514\" y1=\"819\" x2=\"289\" y2=\"819\" class=\"messageLine0\" data-et=\"message\" data-id=\"i13\" data-from=\"Merchant_Backend\" data-to=\"Merchant_Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0310b51ab7f9a303a97aa28c00fe6bcea5d72768075794f6c4f8115b9eed5a54-arrowhead)\" style=\"fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant_Frontend as Merchant Frontend\n    participant Merchant_Backend as Merchant Backend\n    participant External_3DS as External 3DS Provider\n    participant Payments_API as Payments API\n    participant Issuer\n    Browser->>Merchant_Frontend: Click Pay\n    Merchant_Frontend->>Merchant_Backend: Initiate payment\n    Merchant_Backend->>External_3DS: Initiate 3DS authentication\n    External_3DS->>Issuer: Authentication request\n    Issuer-->>External_3DS: Frictionless authentication response\n    External_3DS->>Merchant_Backend: Return ECI, authValue, dsTransactionId\n    Note over Merchant_Backend: Authentication complete\n    Merchant_Backend->>Payments_API: Payment request (threeDS.type: \"external\")\n    Payments_API->>Issuer: Authorization request\n    Issuer->>Payments_API: Authorization response\n    Payments_API->>Merchant_Backend: Payment response\n    Merchant_Backend->>Payments_API: Settlement request\n    Payments_API->>Merchant_Backend: Settlement response\n    Merchant_Backend->>Merchant_Frontend: Transaction complete\n    Note left of Merchant_Frontend: Order receipt page\n"]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"how-external-3ds-works","__idx":2},"children":["How External 3DS works"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["At a high level, the External 3DS payment flow works as follows:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["You authenticate the customer using your external 3DS provider."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Your provider returns the 3DS authentication result."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["You submit the payment request to Payments API."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["You include the authentication result in ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["instruction.threeDS"]},"."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Payments API uses the supplied 3DS data when requesting authorization."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The payment proceeds to authorization."]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"external-3ds-request","__idx":3},"children":["External 3DS request"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["To use External 3DS, include ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["threeDS.type: \"external\""]}," in the payment request."]},{"$$mdtype":"Tag","name":"Tabs","attributes":{"size":"medium"},"children":[{"$$mdtype":"Tag","name":"div","attributes":{"label":"Fully authenticated","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use this pattern when your external 3DS provider returns a successful authentication result."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"instruction\": {\n    ...\n    \"threeDS\": {\n      \"type\": \"external\",\n      \"version\": \"2.2.0\",\n      \"eci\": \"05\",\n      \"authenticationValue\": \"kBNHXUAy4+HT1gAMBSDajheBcxQh\",\n      \"dsTransactionId\": \"b8fb4ecc-7e2e-4b1c-816d-0149849776b8\"\n    }\n  }\n}\n"},"children":[]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Attempted authentication","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use this pattern when authentication was attempted and your external provider returned an attempted authentication result."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"instruction\": {\n    ...\n    \"threeDS\": {\n      \"type\": \"external\",\n      \"mode\": \"always\",\n      \"version\": \"2.2.0\",\n      \"eci\": \"06\",\n      \"authenticationValue\": \"kBNHXUAy4+HT1gAMBSDajheBcxQh\",\n      \"dsTransactionId\": \"b8fb4ecc-7e2e-4b1c-816d-0149849776b8\"\n    }\n  }\n}\n"},"children":[]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Cartes Bancaires","disable":false},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For Cartes Bancaires authorizations, provide the Cartes Bancaires-specific authentication data returned by your external 3DS provider."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"instruction\": {\n    ...\n    \"threeDS\": {\n      \"type\": \"external\",\n      \"mode\": \"always\",\n      \"version\": \"2.2.0\",\n      \"cryptogramAlgorithm\": \"2\",\n      \"challengePreference\": \"noPreference\",\n      \"authenticationFlow\": \"frictionless\",\n      \"networkScore\": \"17\",\n      \"brand\": \"cartesBancaires\"\n    }\n  }\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["For Cartes Bancaires, use the authentication values returned by your external 3DS provider. Cartes Bancaires-specific fields should only be supplied for Cartes Bancaires authorizations."]}]}]}]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Use the values returned by your external 3DS provider. The authentication data must relate to the same customer, card, transaction, amount, and merchant context as the payment authorization request."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["The data can only be used once."]}]}]},{"$$mdtype":"Tag","name":"Cards","attributes":{"columns":1,"cardMinWidth":220},"children":[{"$$mdtype":"Tag","name":"Card","attributes":{"title":"View the full API request schema","imagePosition":"start","iconPosition":"auto","layout":"vertical","align":"center","variant":"outlined","to":"/products/payments/openapi/payment/payment#payment/payment/t=request&path=instruction&d=0/threeds&d=1/type=external"},"children":[]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"payment-response","__idx":4},"children":["Payment response"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["When External 3DS is used, a summary of the 3DS authentication may be returned in the final payment response."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"header":{"controls":{"copy":{}}},"source":"{\n  \"threeDS\": {\n    \"type\": \"external\",\n    \"outcome\": \"authenticated\",\n    \"version\": \"2.2.0\",\n    \"eci\": \"05\"\n  }\n}\n"},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The response may also include authorization details, payment outcome, issuer details, and other payment information depending on the request and final authorization result."]}]},"headings":[{"value":"External 3DS authentication","id":"external-3ds-authentication","depth":1},{"value":"Sequence diagram","id":"sequence-diagram","depth":2},{"value":"How External 3DS works","id":"how-external-3ds-works","depth":2},{"value":"External 3DS request","id":"external-3ds-request","depth":2},{"value":"Payment response","id":"payment-response","depth":2}],"frontmatter":{"seo":{"title":"External 3DS Authentication | Payments API"}},"lastModified":"2026-05-19T08:45:11.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/payments/enable-features/3ds-authentication/external-3ds","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}