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To work with the new protocol, the following changes must be made on the enterprise's side:

  1. Check the version of the 3D-Secure protocol in response to an authorization request to the Assist service. For version 1.0, support the workflow described above.
  2. For version 2.0, create a hidden iFrame on the payment page (for a detailed parameters description see below) and send 3DSMethod request to the issuing bank ACS.
  3. To continue authentication, call the ws3dsecver2 web service with additional 3D-Secure parameters. If authentication occurs without additional interaction with the customer (Frictionless Flow), then Assist will receive its result and send the authorization transaction to the processing. The enterprise will receive in response a full payment result, which also contains the result of authorization in processing. If additional authentication of the customer is necessary, then the IPS Assist will return additional fields for verification (Challenge Flow) in response to the request.
  4. If there are additional fields in the response that indicate the need for additional verification, the enterprise creates an iFrame on the payment page, which implements the display of the ACS page of the issuing bank to enter a one-time password. Customer completes authentication.
  5. IPS Assist will receive the result of the verification to the server on its side. In case of successful verification, a payment transaction will be processed. If the verification fails, the operation will fail.
  6. To find out the final result of payment for an order, the enterprise must use one of the methods for obtaining an authorization result.

The logic of the new protocol 2.0 is displayed as a diagram. The description below contains links to numbered units of the diagram.