Authentication‑Only (No Debit) After 3‑D Secure Initialization
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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.
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Check Authentication (No Charge)
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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
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Note: This step is not a payment—it only confirms successful authentication.
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Confirm Payment (With Charge)
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If, instead, you want to complete the payment, call:
PUT /moneyins/card/direct/{transactionId}/3dconfirm
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Important: You must not call both endpoints. Use 3dauthenticate for authentication‑only checks, or 3dconfirm to finalize the payment—never both.
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Typical Use Case
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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:
- 3dinit ➔ get Authentication URL & Transaction Id
- 3dauthenticate ➔ verify access (no funds debited)
- Save the card for later rebills with confidence that authentication will succeed.