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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.

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.