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

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.
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.
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.