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Receiving an AS110 response code in the response of the get3dsecver2 web service means that an additional card holder verification is required (Challenge Flow). In the threedsdata data block, the challenge parameter will be equal to C, and the challengeurl and challengerequest parameters will be filled (block 8). In this case, the enterprise should generate an HTML iFrame object on the payment page and send an HTTP POST request for the card holder verification to the specified URL (block 11) with the creq parameter, in which pass the received challengerequest value. This iFrame displays the ACS page of the issuing bank and the customer enters a one-time password received from the bank.

In a decoupled authentication scenario, the challenge parameter in the threedsdata data block will be equal to D, and the challengeurl and challengerequest parameters will be absent (block 8). The merchant must in this case keep the order in the In Process state and await the final payment status.

IPS Assist will receive the result of this verification on its server in asynchronous mode (blocks 13, 14). Depending on the authentication result and the settings of the processing and of the enterprise (block 15), the IPS Assist will executes a transaction in processing or completes the operation with an error.

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