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For version 3D-Secure 2.0 (unit 3), if there is the issuing bank URL threeDSMethodURL (units 5, 8, 9), and the additional interaction with the card holder is necessary (unit 10), the enterprise generates hidden HTML iFrame on the payment page (unit 8) and sends an HTTP POST request for the card holder verification to the specified challengeurl URL (unit 11). This iFrame displays the issuer's bank ACS page and the customer enters a one-time password received from the bank.

For version 3D-Secure 2.0 (unit 3) with no issuing bank URL threeDSMethodURL and without the additional interaction with the card holder, - Frictionless Flow (F), the transaction will be processed immediately and the payment process will be completed (unit 12).