2025-03-25
  • 2025-03-25
  • 2025-01-20
  • 2022-03-14
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VCCHUB How-to
2025-03-25
  • 2025-03-25
  • 2025-01-20
  • 2022-03-14
  1. API Reference
  • Guides
    • Welcome
    • Interface
  • API Reference
    • Introduction
    • Endpoints
    • Data Types
    • Signing
    • 3-D Secure Verification
    • Subscription
    • Errors
    • Webhooks
    • Items Information
    • Changelog
    • Acquiring
      • Create a direct payment
        POST
      • Create a redirect (iFrame) payment
        POST
      • Capture a transaction
        POST
      • Review a transaction
        POST
      • Cancel a transaction
        POST
      • Cancel a subscription
        POST
      • Query a transaction
        POST
      • Refund a transaction
        POST
      • Search a refund transaction
        POST
      • Create a payout
        POST
      • Optimise payment methods
        POST
      • Update an order
        POST
    • Issuing
      • Cardholder
        • Create cardholder
          POST
        • Delete cardholder
          POST
        • Query cardholder
          POST
      • Card
        • Query card BIN
        • Create a card
        • Query card details
        • Recharge card
        • Withdraw from a card
        • Cancel a card
        • Update card status
        • Update card limit
  • Appendix
    • Test Cards
    • Bank Code
    • Country Code
    • Currency Code
    • Payment Methods
  1. API Reference

3-D Secure Verification

3DS Response#

If a payment is sent for 3-D Secure Verification and the card is supported for the verification, merchant will then receive a response in XML format containing the ‘issuer_url’. Merchant needs to append ‘return_url’ and ‘notify_url’ to the ‘issuer_url’ as the 3-D Secure Verification target URL and send the request via POST method. The shopper will be redirected to the 3-D Secure Verification page hosted by the issuer. Once the shopper completed the verification, the verification result will be returned to the notify_url defined by merchant.
3DS Response
merchant_id
string 
required
Merchant Code or Merchant ID or Merchant Number
<= 5 characters
account_id
string 
optional
Subaccount Code or Subaccount ID or Gateway Number
<= 8 characters
order_no
string 
optional
Merchant Order Number (or Merchant Order ID) generated by Merchant
<= 50 characters
amount
string 
optional
The sum of the amounts of all items in an order; Value can be digits only. Please refer to ISO 4217 for decimal values of each currency
amount = item_total + shipping + handing + tax_total + insurance - shiopping_discount - discount
<= 15 characters
currency
string 
optional
Order Currency Code. Please refer to ISO 4217
<= 3 characters
issuer_url
string 
optional
The 3-D Secure Verification URL address hosted by the issuer
The response is in XML format. Merchant needs to parse the XML response before obtain the payment result.

Redirect user to 3DS challenge page#

To redirect shopper to the 3DS verification age, merchant needs to append "return_url" and "notify_url" to the "issuer_url" as the 3-D Secure Verification target URL and send the request via POST method.
3DS Redirect
return_url
string 
required
A merchant customized HTTP URL where the payment result message will be returned in realtime
<= 500 characters
notify_url
string 
required
The merchant customized URL address where the payment notification will be sent to
<= 500 characters
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