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x=\"100\" y=\"507\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"802\" height=\"64\" class=\"note\"></rect><text x=\"501\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\">If no `dfReferenceId` (collectionReference) is</tspan></text><text x=\"501\" y=\"534\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"501\"> provided there is an increased chance of a challenge and in some cases an authenticationFailed response</tspan></text></g><g data-et=\"note\" data-id=\"i11\"><rect x=\"962\" y=\"689\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"245\" height=\"130\" class=\"note\"></rect><text x=\"1085\" y=\"694\" text-anchor=\"middle\" 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3; fill: none;\"></line><text x=\"1078\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"928\" y1=\"173\" x2=\"1228\" y2=\"173\" class=\"messageLine1\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1389\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"1233\" y1=\"227\" x2=\"1544\" y2=\"227\" class=\"messageLine1\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1392\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1547\" y1=\"281\" x2=\"1236\" y2=\"281\" class=\"messageLine1\" data-et=\"message\" data-id=\"i3\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1081\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataCollection.jwt</text><line x1=\"1231\" y1=\"335\" x2=\"931\" y2=\"335\" class=\"messageLine1\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant Backend\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1336\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">cardinal.init(jwt)</text><line x1=\"928\" y1=\"389\" x2=\"1744\" y2=\"389\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant Frontend\" data-to=\"Cardinal/Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1339\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">ConsumerSessionId</text><line x1=\"1747\" y1=\"443\" x2=\"931\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Cardinal/Issuers\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-2765fccb121aab90886743816a5f05c10b4044b08f8928dc1722bbc43ed1d282-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"1078\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" 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Browser-->>Merchant Frontend: Click Pay\n    Merchant Frontend-->>Merchant Backend: Pay \n    Merchant Backend-->>Access 3DS: deviceDataInitialization request\n    Access 3DS-->>Merchant Backend: deviceDataInitialization response\n    Merchant Backend-->>Merchant Frontend: deviceDataCollection.jwt\n    Merchant Frontend-->>Cardinal/Issuers: cardinal.init(jwt)\n    Cardinal/Issuers-->>Merchant Frontend: ConsumerSessionId\n    Merchant Frontend-->>Merchant Backend: Data for authentication request \n    Note left of Merchant Frontend: If no `dfReferenceId` (collectionReference) is<br> provided there is an increased chance of a challenge and in some cases an authenticationFailed response\n    Merchant Backend-->>Access 3DS: Authentication request\n    Access 3DS-->>Merchant Backend: Authentication response\n    Note left of Merchant Backend: Use in payment authorization:<br>-version<br>-authenticationValue<br>-eci<br>-transactionId\n"]}]},{"$$mdtype":"Tag","name":"div","attributes":{"label":"Android and iOS - 3DS2 Challenge","disable":false},"children":[{"$$mdtype":"Tag","name":"Diagram","attributes":{"data-language":"mermaid","diagramType":"mermaid","diagramSource":"\nsequenceDiagram\n    participant Browser\n    participant Merchant Frontend\n    participant Merchant Backend\n    participant Access 3DS\n    participant Cardinal/Issuers\n    Browser-->>Merchant Frontend: Click Pay\n    Merchant Frontend-->>Merchant Backend: Pay \n    Merchant Backend-->>Access 3DS: deviceDataInitialization request\n    Access 3DS-->>Merchant Backend: deviceDataInitialization response\n    Merchant Backend-->>Merchant Frontend: deviceDataCollection.jwt\n    Merchant Frontend-->>Cardinal/Issuers: cardinal.init(jwt)\n    Cardinal/Issuers-->>Merchant Frontend: ConsumerSessionId\n    Merchant Frontend-->>Merchant Backend: Data for authentication request \n   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x=\"100\" y=\"507\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"291\" height=\"130\" class=\"note\"></rect><text x=\"246\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\">If no `dfReferenceId`</tspan></text><text x=\"246\" y=\"534\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> (collectionReference) is provided or </tspan></text><text x=\"246\" y=\"556\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\">the issuer doesn't support 3DS2, the</tspan></text><text x=\"246\" y=\"578\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> flow will use 3DS1 from here</tspan></text><text x=\"246\" y=\"600\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> (always challenge)</tspan></text></g><g data-et=\"note\" data-id=\"i15\"><rect x=\"137\" y=\"971\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"254\" height=\"130\" class=\"note\"></rect><text x=\"264\" y=\"976\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\">Once the challenge has been</tspan></text><text x=\"264\" y=\"998\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> completed you can submit the</tspan></text><text x=\"264\" y=\"1020\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> `challenge.reference` from the</tspan></text><text x=\"264\" y=\"1042\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> authentication response to the</tspan></text><text x=\"264\" y=\"1064\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> verification request</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"451\" y=\"1219\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"245\" height=\"130\" class=\"note\"></rect><text x=\"574\" y=\"1224\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">Use in payment authorization:</tspan></text><text x=\"574\" y=\"1246\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-version</tspan></text><text x=\"574\" y=\"1268\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-authenticationValue</tspan></text><text x=\"574\" y=\"1290\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-eci</tspan></text><text x=\"574\" y=\"1312\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-transactionId</tspan></text></g><text x=\"244\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"119\" x2=\"412\" y2=\"119\" class=\"messageLine1\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"417\" y1=\"173\" x2=\"717\" y2=\"173\" class=\"messageLine1\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"722\" y1=\"227\" x2=\"1033\" y2=\"227\" class=\"messageLine1\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"881\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1036\" y1=\"281\" x2=\"725\" y2=\"281\" class=\"messageLine1\" data-et=\"message\" data-id=\"i3\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"570\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataCollection.jwt</text><line x1=\"720\" y1=\"335\" x2=\"420\" y2=\"335\" class=\"messageLine1\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant Backend\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"825\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">cardinal.init(jwt)</text><line x1=\"417\" y1=\"389\" x2=\"1233\" y2=\"389\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant Frontend\" data-to=\"Cardinal/Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"828\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">ConsumerSessionId</text><line x1=\"1236\" y1=\"443\" x2=\"420\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Cardinal/Issuers\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Data for authentication request</text><line x1=\"417\" y1=\"497\" x2=\"717\" y2=\"497\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"652\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"722\" y1=\"691\" x2=\"1033\" y2=\"691\" class=\"messageLine1\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"881\" y=\"706\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1036\" y1=\"745\" x2=\"725\" y2=\"745\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"570\" y=\"760\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">challenge.payload</text><line x1=\"720\" y1=\"799\" x2=\"420\" y2=\"799\" class=\"messageLine1\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant Backend\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"825\" y=\"814\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Cardinal.continue(reference.payload)</text><line x1=\"417\" y1=\"853\" x2=\"1233\" y2=\"853\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant Frontend\" data-to=\"Cardinal/Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"828\" y=\"868\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Response</text><line x1=\"1236\" y1=\"907\" x2=\"420\" y2=\"907\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Cardinal/Issuers\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"922\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"417\" y1=\"961\" x2=\"717\" y2=\"961\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-0b5371795b758ec7e33df6266ad32f649d84833aa20e5cd3d2bd43e1aa4d920f-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"1116\" 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x=\"100\" y=\"507\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"291\" height=\"130\" class=\"note\"></rect><text x=\"246\" y=\"512\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\">If no `dfReferenceId`</tspan></text><text x=\"246\" y=\"534\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> (collectionReference) is provided or </tspan></text><text x=\"246\" y=\"556\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\">the issuer doesn't support 3DS2, the</tspan></text><text x=\"246\" y=\"578\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> flow will use 3DS1 from here</tspan></text><text x=\"246\" y=\"600\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"246\"> (always challenge)</tspan></text></g><g data-et=\"note\" data-id=\"i15\"><rect x=\"137\" y=\"971\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"254\" height=\"130\" class=\"note\"></rect><text x=\"264\" y=\"976\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\">Once the challenge has been</tspan></text><text x=\"264\" y=\"998\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> completed you can submit the</tspan></text><text x=\"264\" y=\"1020\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> `challenge.reference` from the</tspan></text><text x=\"264\" y=\"1042\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> authentication response to the</tspan></text><text x=\"264\" y=\"1064\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"264\"> verification request</tspan></text></g><g data-et=\"note\" data-id=\"i18\"><rect x=\"451\" y=\"1219\" fill=\"#EDF2AE\" stroke=\"#666\" width=\"245\" height=\"130\" class=\"note\"></rect><text x=\"574\" y=\"1224\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">Use in payment authorization:</tspan></text><text x=\"574\" y=\"1246\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-version</tspan></text><text x=\"574\" y=\"1268\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-authenticationValue</tspan></text><text x=\"574\" y=\"1290\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-eci</tspan></text><text x=\"574\" y=\"1312\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"noteText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\"><tspan x=\"574\">-transactionId</tspan></text></g><text x=\"244\" y=\"80\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Click Pay</text><line x1=\"76\" y1=\"119\" x2=\"412\" y2=\"119\" class=\"messageLine1\" data-et=\"message\" data-id=\"i0\" data-from=\"Browser\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"134\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Pay</text><line x1=\"417\" y1=\"173\" x2=\"717\" y2=\"173\" class=\"messageLine1\" data-et=\"message\" data-id=\"i1\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"188\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization request</text><line x1=\"722\" y1=\"227\" x2=\"1033\" y2=\"227\" class=\"messageLine1\" data-et=\"message\" data-id=\"i2\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"881\" y=\"242\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataInitialization response</text><line x1=\"1036\" y1=\"281\" x2=\"725\" y2=\"281\" class=\"messageLine1\" data-et=\"message\" data-id=\"i3\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"570\" y=\"296\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">deviceDataCollection.jwt</text><line x1=\"720\" y1=\"335\" x2=\"420\" y2=\"335\" class=\"messageLine1\" data-et=\"message\" data-id=\"i4\" data-from=\"Merchant Backend\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"825\" y=\"350\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">cardinal.init(jwt)</text><line x1=\"417\" y1=\"389\" x2=\"1233\" y2=\"389\" class=\"messageLine1\" data-et=\"message\" data-id=\"i5\" data-from=\"Merchant Frontend\" data-to=\"Cardinal/Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"828\" y=\"404\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">ConsumerSessionId</text><line x1=\"1236\" y1=\"443\" x2=\"420\" y2=\"443\" class=\"messageLine1\" data-et=\"message\" data-id=\"i6\" data-from=\"Cardinal/Issuers\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"458\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Data for authentication request</text><line x1=\"417\" y1=\"497\" x2=\"717\" y2=\"497\" class=\"messageLine1\" data-et=\"message\" data-id=\"i7\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"652\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication request</text><line x1=\"722\" y1=\"691\" x2=\"1033\" y2=\"691\" class=\"messageLine1\" data-et=\"message\" data-id=\"i9\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"881\" y=\"706\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Authentication response</text><line x1=\"1036\" y1=\"745\" x2=\"725\" y2=\"745\" class=\"messageLine1\" data-et=\"message\" data-id=\"i10\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"570\" y=\"760\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">challenge.payload</text><line x1=\"720\" y1=\"799\" x2=\"420\" y2=\"799\" class=\"messageLine1\" data-et=\"message\" data-id=\"i11\" data-from=\"Merchant Backend\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"825\" y=\"814\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Cardinal.continue(reference.payload)</text><line x1=\"417\" y1=\"853\" x2=\"1233\" y2=\"853\" class=\"messageLine1\" data-et=\"message\" data-id=\"i12\" data-from=\"Merchant Frontend\" data-to=\"Cardinal/Issuers\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"828\" y=\"868\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Response</text><line x1=\"1236\" y1=\"907\" x2=\"420\" y2=\"907\" class=\"messageLine1\" data-et=\"message\" data-id=\"i13\" data-from=\"Cardinal/Issuers\" data-to=\"Merchant Frontend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"567\" y=\"922\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"417\" y1=\"961\" x2=\"717\" y2=\"961\" class=\"messageLine1\" data-et=\"message\" data-id=\"i14\" data-from=\"Merchant Frontend\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"878\" y=\"1116\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification request</text><line x1=\"722\" y1=\"1155\" x2=\"1033\" y2=\"1155\" class=\"messageLine1\" data-et=\"message\" data-id=\"i16\" data-from=\"Merchant Backend\" data-to=\"Access 3DS\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line><text x=\"881\" y=\"1170\" text-anchor=\"middle\" dominant-baseline=\"middle\" alignment-baseline=\"middle\" class=\"messageText\" dy=\"1em\" style=\"font-family: &quot;Redocly Mermaid Sans&quot;, sans-serif; font-size: 16px; font-weight: 400;\">Verification response</text><line x1=\"1036\" y1=\"1209\" x2=\"725\" y2=\"1209\" class=\"messageLine1\" data-et=\"message\" data-id=\"i17\" data-from=\"Access 3DS\" data-to=\"Merchant Backend\" stroke-width=\"2\" stroke=\"none\" marker-end=\"url(#diagram-52918c6fbb34684fcc674b5a81617396b63f9f6b266aaa9f1d872e97c274c976-arrowhead)\" style=\"stroke-dasharray: 3, 3; fill: none;\"></line></svg>"},"children":["\nsequenceDiagram\n    participant Browser\n    participant Merchant Frontend\n    participant Merchant Backend\n    participant Access 3DS\n    participant Cardinal/Issuers\n    Browser-->>Merchant Frontend: Click Pay\n    Merchant Frontend-->>Merchant Backend: Pay \n    Merchant Backend-->>Access 3DS: deviceDataInitialization request\n    Access 3DS-->>Merchant Backend: deviceDataInitialization response\n    Merchant Backend-->>Merchant Frontend: deviceDataCollection.jwt\n    Merchant Frontend-->>Cardinal/Issuers: cardinal.init(jwt)\n    Cardinal/Issuers-->>Merchant Frontend: ConsumerSessionId\n    Merchant Frontend-->>Merchant Backend: Data for authentication request \n    Note left of Merchant Frontend: If no `dfReferenceId`<br> (collectionReference) is provided or <br>the issuer doesn't support 3DS2, the<br> flow will use 3DS1 from here<br> (always challenge)\n    Merchant Backend-->>Access 3DS: Authentication request\n    Access 3DS-->>Merchant Backend: Authentication response\n    Merchant Backend-->>Merchant Frontend: challenge.payload\n    Merchant Frontend-->>Cardinal/Issuers: Cardinal.continue(reference.payload)\n    Cardinal/Issuers-->>Merchant Frontend: Response\n    Merchant Frontend-->>Merchant Backend: Verification request\n    Note left of Merchant Frontend: Once the challenge has been<br> completed you can submit the<br> `challenge.reference` from the<br> authentication response to the<br> verification request\n    Merchant Backend-->>Access 3DS: Verification request\n    Access 3DS-->>Merchant Backend: Verification response\n    Note left of Merchant Backend: Use in payment authorization:<br>-version<br>-authenticationValue<br>-eci<br>-transactionId\n\n"]}]}]},{"$$mdtype":"Tag","name":"hr","attributes":{},"children":[]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Next steps"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":[{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/products/3ds/android-ios/get-started"},"children":["Get started"]}]}]},"headings":[{"value":"Android and iOS SDK","id":"android-and-ios-sdk","depth":1},{"value":"Flows","id":"flows","depth":2}],"frontmatter":{"markdown":{"toc":{"hide":true}},"seo":{"title":"Android and iOS Integration | 3DS API"}},"lastModified":"2026-06-16T10:19:10.000Z","pagePropGetterError":{"message":"","name":""}},"slug":"/products/3ds/android-ios","userData":{"isAuthenticated":false,"teams":["anonymous"]},"isPublic":true}