<< Back to Modular HomeSequence diagrams - guest card paymentCopy for LLM / MCP ConnectBasic card authorizationAPI onlyUsing Checkout SDKCard payment using Card Payments API only.Using:Card Payments APICard_Payments_APIMerchant_BackendMerchant_FrontendBrowserCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserClick PayPaycustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserCard_Payments_APIMerchant_BackendMerchant_FrontendBrowserClick PayPaycustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseBasic card authorization with 3DSCard payment with 3DS authentication enabled.API onlyUsing Checkout SDK (web)Using Checkout SDK (iOS/Android)Using:3DS APICard Payments APIIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcClick PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersCard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcClick PayPaydeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseBasic card authorization with 3DS and FraudSightCard payment with a FraudSight risk assessment and 3DS authentication enabled.API onlyUsing Checkout SDK (web)Using:FraudSight API3DS APICard Payments APIIssuersFraudSight_APICard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersFraudSight_APICard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcClick PayPayAssessment requestAssessment responsedeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement responseIssuersFraudSight_APICard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserIssuersFraudSight_APICard_Payments_API3DS_APIMerchant_BackendMerchant_FrontendBrowserUpdate or close challenge window on websiteApply authentication details in payment E.g. eci, authenticationValue etcClick PayPayAssessment requestAssessment responsedeviceDataInitialization requestdeviceDataInitialization responseDeviceData - BIN/JWT/URL3DS Device Data formForm POSTPostMessage: dfReferenceIdAuthentication requestAuthentication responseChallenge JWT/URL3DS challenge formForm POST`returnUrl` specified in authentication requestVerification requestVerification responsecustomerInitiatedTransactions requestcustomerInitiatedTransactions responseSettlement requestSettlement response