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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).

For version 3D-Secure 2.0 (unit 3), if the additional interaction with the card holder is necessary (unit 4), but with no issuing bank URL threeDSMethodURL, 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 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.