Implementation Notes

Use the following notes as final implementation reminders when integrating 3D Secure delegated authentication through Payblr.

• 3D Secure Authentication supports Delegated SMS and Biometric / In-App SCA only.
• UAT and Production integration details must be provided for each delegated method that is enabled.
• Cards must be enrolled with the correct 3DS credentials before the delegated method can be used.
• Delegated SMS requires the client or program system to send the OTP to the cardholder.
• Biometric / In-App SCA requires the client or program system to authenticate the cardholder through the mobile app and return the result.
• Store notification references, credential references, challenge timestamps, authentication outcomes, and error details for troubleshooting and audit.
• Handle retries, cancellations, timeouts, and late authentication results safely.