Authentication‑Only (No Debit) After 3‑D Secure Initialization

1. Initialize 3‑D Secure
   Call:

   POST /moneyins/card/direct/3dinit

   This returns an Authentication URL and a Transaction Id, but does not debit the card.

2. Check Authentication (No Charge)

   • To simply verify that the user can complete 3‑D Secure (and that the card belongs to them), call:

     POST /moneyins/card/direct/{transactionId}/3dauthenticate

   • Note: This step is not a payment—it only confirms successful authentication.

3. Confirm Payment (With Charge)

   • If, instead, you want to complete the payment, call:

     PUT /moneyins/card/direct/{transactionId}/3dconfirm

   • Important: You must not call both endpoints. Use 3dauthenticate for authentication‑only checks, or 3dconfirm to finalize the payment—never both.

Typical Use Case

• You want to register a card for future rebills (registerCard=true) but first ensure the card really belongs to the user and that they can authenticate successfully.

• Flow:

  1. 3dinit ➔ get Authentication URL & Transaction Id
  2. 3dauthenticate ➔ verify access (no funds debited)
  3. Save the card for later rebills with confidence that authentication will succeed.