{"templateId":"markdown","sharedDataIds":{"sidebar":"sidebar-guides/sidebars.yaml"},"props":{"metadata":{"markdoc":{"tagList":["sub-heading","admonition","br","details"]},"type":"markdown"},"seo":{"title":"3DS transactions","description":"Transform your commerce with PXP's unified platform—seamless payments, real-time insights, and global growth in one powerful integration.","lang":"en-UK","siteUrl":"https://developer.pxp.io","llmstxt":{"hide":false,"sections":[{"title":"Table of contents","includeFiles":["**/*"],"excludeFiles":[]}],"excludeFiles":[]}},"dynamicMarkdocComponents":[],"compilationErrors":[],"ast":{"$$mdtype":"Tag","name":"article","attributes":{},"children":[{"$$mdtype":"Tag","name":"Heading","attributes":{"level":1,"id":"3ds-transactions","__idx":0},"children":["3DS transactions"]},{"$$mdtype":"Tag","name":"SubHeading","attributes":{},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Learn about 3D Secure authentication with Google Pay for enhanced transaction security."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"overview","__idx":1},"children":["Overview"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["By implementing 3DS authentication with Google Pay, you benefit from:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Enhanced security:"]}," Additional authentication layer protects against fraudulent transactions."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Liability shift:"]}," Shifts liability from merchant to card issuer for authenticated transactions."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Reduced chargebacks:"]}," Significantly decreases chargeback rates through strong authentication."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Regulatory compliance:"]}," Meets Strong Customer Authentication (SCA) requirements under PSD2 and similar regulations."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Higher success rate:"]}," Banks are more likely to approve 3DS-authenticated transactions."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Fraud prevention:"]}," Real-time risk assessment and challenge when necessary."]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["However, the 3DS payment flow is longer than the non-3DS one due to the additional authentication steps. It may also require active customer participation if a challenge is presented."]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["3D Secure authentication is strongly recommended for high-value transactions, subscription services, and any scenario where enhanced security is required. It significantly reduces fraud risk and chargebacks whilst providing liability shift benefits."]}]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"warning"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["3DS is applied only to Google Pay FPAN (Full Primary Account Number). DPAN (Device Primary Account Number) transactions from Google Pay do not undergo 3DS authentication."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"payment-flow","__idx":2},"children":["Payment flow"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The 3DS Google Pay payment flow consists of nine key steps."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-1-button-interaction","__idx":3},"children":["Step 1: Button interaction"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The customer clicks the Google Pay button, triggering the payment sheet to open. Google Pay handles device authentication (biometric or PIN) internally."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-2-payment-method-selection","__idx":4},"children":["Step 2: Payment method selection"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Within the Google Pay payment sheet, the customer selects their preferred payment method. Google Pay tokenises the payment data using its secure tokenisation system."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-3-payment-sheet-completion","__idx":5},"children":["Step 3: Payment sheet completion"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The customer confirms the payment in the Google Pay sheet. The SDK receives the encrypted payment token from Google Pay."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-4-pre-initiation","__idx":6},"children":["Step 4: Pre-initiation"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This is the initial step in the 3DS authentication flow. It establishes the authentication session by sending transaction and card details to the payment processor."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This step has two associated callbacks:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPreInitiateAuthentication"]},": Returns configuration for the authentication setup."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPostInitiateAuthentication"]},": Receives the result of the pre-initiation call."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-5-fingerprinting","__idx":7},"children":["Step 5: Fingerprinting"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["During this step, device information and browser characteristics are collected by the fingerprinting component. It creates a hidden iframe that submits transaction details to the issuer's fingerprint URL, enabling risk assessment based on the user's device profile."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-6-authentication","__idx":8},"children":["Step 6: Authentication"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The 3DS server evaluates the transaction risk and determines the authentication path:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Frictionless flow:"]}," If the transaction is low-risk, authentication completes automatically without customer interaction."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":["Challenge flow:"]}," If additional verification is needed, the customer completes the 3DS authentication challenge (PIN entry, SMS code, biometric verification, etc.)"]}]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The authentication step has two associated callbacks:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPreAuthentication"]},": Configures the main authentication parameters."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPostAuthentication"]},": Receives authentication results and challenge data."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-7-authentication-result","__idx":9},"children":["Step 7: Authentication result"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The SDK receives the 3DS authentication result indicating whether authentication was successful, failed, or requires additional action."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-8-authorisation","__idx":10},"children":["Step 8: Authorisation"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["This is the final processing step where the SDK sends the authorisation request to the payment gateway, including the 3DS authentication data. You receive the transaction data along with the 3DS authentication results and decide whether to proceed."]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The authorisation step has two associated callbacks:"]},{"$$mdtype":"Tag","name":"ul","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPreAuthorisation"]},":"]}," Provides final transaction data, including 3DS authentication results. This is your last chance to modify the transaction before authorisation."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":[{"$$mdtype":"Tag","name":"strong","attributes":{},"children":[{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPostAuthorisation"]},":"]}," Receives the transaction identifiers (",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["merchantTransactionId"]}," and ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["systemTransactionId"]},"). Use these identifiers to call the Unity Backend and retrieve the full transaction outcome."]}]},{"$$mdtype":"Tag","name":"Admonition","attributes":{"type":"info"},"children":[{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["onPostAuthorisation"]}," callback only returns transaction identifiers, not the full transaction result. To obtain the complete transaction outcome (Authorised, Captured, Refused, etc.), you must call the Unity backend using the ",{"$$mdtype":"Tag","name":"MarkdownLink","attributes":{"href":"/apis/transaction/other/get-transaction-details"},"children":["Get transaction details"]}," API with the ",{"$$mdtype":"Tag","name":"code","attributes":{},"children":["systemTransactionId"]},"."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-9-authorisation-result","__idx":11},"children":["Step 9: Authorisation result"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["You receive the final authorisation response from the payment gateway. The transaction is either approved or declined and final transaction details are available, along with 3DS authentication confirmation."]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":2,"id":"implementation","__idx":12},"children":["Implementation"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"before-you-start","__idx":13},"children":["Before you start"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["To use 3DS with Google Pay payments:"]},{"$$mdtype":"Tag","name":"ol","attributes":{},"children":[{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Ensure 3D Secure is enabled in the Unity Portal for your merchant group."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Configure Google Pay in the Unity Portal with your gateway merchant ID."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Whitelist your domain in the Unity Portal."]},{"$$mdtype":"Tag","name":"li","attributes":{},"children":["Get your 3DS provider ID from your payment processor."]}]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-1-initialise-the-sdk","__idx":14},"children":["Step 1: Initialise the SDK"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Initialise the PXP SDK with your merchant credentials."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"import { PxpCheckout } from '@pxpio/web-components-sdk';\n\nconst pxpSdk = PxpCheckout.initialize({\n environment: 'test', // or 'live' for production\n session: sessionData, // Get from your backend\n ownerId: 'your-owner-id',\n ownerType: 'MerchantGroup',\n kountDisabled: false, // OPTIONAL: Set to true to disable Kount fraud detection\n transactionData: {\n currency: 'GBP',\n amount: 299.99,\n merchantTransactionId: crypto.randomUUID(),\n merchantTransactionDate: () => new Date().toISOString(),\n entryType: 'Ecom',\n intent: {\n card: 'Authorisation'\n }\n }\n});\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-2-implement-callbacks","__idx":15},"children":["Step 2: Implement callbacks"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Configure the Google Pay button with the required callbacks for 3DS authentication."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"import FailedAuthenticationResult from '@pxpio/web-components-sdk/src/services/threeDSServices/types/FailedAuthenticationResult';\nimport MerchantAuthenticationResult from '@pxpio/web-components-sdk/src/services/threeDSServices/types/MerchantAuthenticationResult';\n\nconst googlePayButton = pxpSdk.create('google-pay-button', {\n paymentDataRequest: {\n allowedPaymentMethods: [{\n type: 'CARD',\n parameters: {\n allowedCardNetworks: ['VISA', 'MASTERCARD', 'AMEX'],\n allowedAuthMethods: ['CRYPTOGRAM_3DS'] // Prefer 3DS cryptogram\n }\n // Note: tokenizationSpecification is automatically configured by the SDK from session data\n }],\n transactionInfo: {\n currencyCode: 'GBP',\n totalPriceStatus: 'FINAL',\n totalPrice: '299.99'\n }\n },\n \n // OPTIONAL: Use Unity authentication strategy\n useUnityAuthenticationStrategy: true,\n \n // REQUIRED: Provide 3DS configuration\n onPreInitiateAuthentication: () => {\n return {\n providerId: 'your_3ds_provider_id', // optional\n requestorAuthenticationIndicator: '01', // Payment transaction\n timeout: 300 // 5 minutes\n };\n },\n \n // OPTIONAL: Handle the pre-initiation result\n onPostInitiateAuthentication: async (data) => {\n if (data instanceof FailedAuthenticationResult) {\n console.error('3DS pre-initiation failed:', data.errorReason);\n return;\n }\n\n const result = data as MerchantAuthenticationResult;\n console.log('Authentication ID:', result.authenticationId);\n console.log('3DS supported:', result.threeDSecureSupported);\n\n if (!result.authenticationId) {\n return;\n }\n\n const authResult = await fetchAuthenticationResultFromBackend(result.authenticationId);\n await evaluateAuthenticationAndUpdateSession(authResult);\n },\n \n // REQUIRED: Configure main authentication\n onPreAuthentication: async () => {\n // Get authentication decision evaluated after onPostInitiateAuthentication\n const decision = await getAuthenticationDecision();\n \n if (!decision) {\n // Not proceeding with authentication\n return null;\n }\n \n return {\n merchantCountryNumericCode: '826', // United Kingdom\n merchantLegalName: 'Your Store Limited',\n challengeWindowSize: 5, // Fullscreen\n requestorChallengeIndicator: decision.challengeIndicator || '01',\n timeout: decision.timeout || 300\n };\n },\n \n // OPTIONAL: Handle the authentication result\n onPostAuthentication: async (data) => {\n console.log('3DS authentication completed. Authentication ID:', data.authenticationId);\n \n // Send authenticationId to backend to retrieve authentication result\n const authResult = await fetchAuthenticationResultFromBackend(data.authenticationId);\n \n // Evaluate authentication result to update authorisation decision\n await evaluateAuthenticationAndUpdateAuthorization(authResult);\n },\n \n // REQUIRED: Final transaction review before authorisation\n onPreAuthorisation: async (data) => {\n console.log('Processing 3DS Google Pay payment');\n console.log('Gateway Token ID:', data.gatewayTokenId);\n \n // Retrieve token details and make authorisation decision\n const transactionDecision = await getAuthorisationDecision(data.gatewayTokenId);\n \n if (!transactionDecision) {\n // Not proceeding\n return null;\n }\n \n // Add risk screening data for fraud detection\n return {\n riskScreeningData: {\n performRiskScreening: true,\n userIp: \"192.168.1.100\",\n account: {\n id: \"user_12345678\",\n creationDateTime: \"2024-01-15T10:30:00.000Z\"\n },\n items: [{\n price: 99.99,\n quantity: 1,\n category: \"Electronics\",\n sku: \"GPAY-PROD-001\"\n }],\n fulfillments: [{\n type: \"Shipped\",\n shipping: {\n shippingMethod: \"Express\"\n },\n recipientPerson: {\n phoneNumber: \"+1234567890\",\n email: \"customer@example.com\"\n }\n }]\n }\n };\n },\n \n // REQUIRED: Handle the final result\n onPostAuthorisation: (result, paymentData) => {\n console.log('Payment result:', result);\n \n if (result && 'merchantTransactionId' in result) {\n // Success - MerchantSubmitResult\n console.log('Payment successful with 3DS!');\n console.log('Transaction ID:', result.merchantTransactionId);\n console.log('System Transaction ID:', result.systemTransactionId);\n \n // Redirect to success page\n window.location.href = '/payment-success?txn=' + result.merchantTransactionId;\n } else if (result && 'errorCode' in result) {\n // Failure - FailedSubmitResult\n console.error('Payment declined:', result.errorReason);\n showError('Payment declined. Please try another payment method.');\n }\n },\n \n // OPTIONAL: Handle errors\n onError: (error) => {\n console.error('Payment error:', error);\n showError('An error occurred. Please try again.');\n },\n \n // OPTIONAL: Handle cancellation\n onCancel: () => {\n console.log('Payment cancelled by user');\n showMessage('Payment cancelled');\n }\n});\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-3-handle-common-scenarios","__idx":16},"children":["Step 3: Handle common scenarios"]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"conditional-3ds","__idx":17},"children":["Conditional 3DS"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Use the following snippet to only trigger 3DS authentication above a certain amount."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"const googlePayButton = pxpSdk.create('google-pay-button', {\n // ... basic configuration\n \n onPreInitiateAuthentication: () => {\n const amount = getTransactionAmount();\n \n if (amount > 100) {\n return {\n providerId: 'your_provider',\n requestorAuthenticationIndicator: '01',\n timeout: 300\n };\n }\n \n // Return null to skip 3DS for low-value transactions\n return null;\n }\n});\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"challenge-indicator-selection","__idx":18},"children":["Challenge indicator selection"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Select appropriate challenge indicators based on transaction risk."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"function selectChallengeIndicator(transaction) {\n // High-value transactions\n if (transaction.amount > 500) {\n return '04'; // Mandate challenge\n }\n \n // Subscription first payment\n if (transaction.type === 'subscription' && transaction.isFirstPayment) {\n return '03'; // Challenge requested (merchant preference)\n }\n \n // Trusted returning customers\n if (transaction.customerTrust === 'HIGH') {\n return '02'; // No challenge requested\n }\n \n // Default\n return '01'; // No preference\n}\n\nconst googlePayButton = pxpSdk.create('google-pay-button', {\n // ... basic configuration\n \n onPreAuthentication: async () => {\n const decision = await getAuthenticationDecision();\n \n if (!decision) {\n return null;\n }\n \n const transaction = getCurrentTransaction();\n const challengeIndicator = selectChallengeIndicator(transaction);\n \n return {\n merchantCountryNumericCode: '826',\n merchantLegalName: 'Your Store Ltd',\n challengeWindowSize: 5,\n requestorChallengeIndicator: challengeIndicator\n };\n }\n});\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":4,"id":"soft-decline-retry","__idx":19},"children":["Soft decline retry"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Handle soft declines by retrying with forced 3DS challenge."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"const googlePayButton = pxpSdk.create('google-pay-button', {\n // ... other configuration\n \n onPreRetrySoftDecline: (result) => {\n console.log('Soft decline detected, retrying with 3DS challenge');\n \n // Track soft decline\n trackEvent('payment-soft-decline', {\n transactionId: result.merchantTransactionId,\n reason: result.errorReason\n });\n \n // Retry with forced 3DS challenge\n return {\n retry: true,\n updatedConfigs: {\n onPreInitiateAuthentication: () => ({\n providerId: 'pxpfinancial',\n timeout: 12\n }),\n onPreAuthentication: async () => ({\n merchantCountryNumericCode: '826',\n merchantLegalName: 'Your Store Ltd',\n challengeWindowSize: 5,\n requestorChallengeIndicator: '04' // Force challenge on retry\n })\n }\n };\n }\n});\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"step-4-handle-errors","__idx":20},"children":["Step 4: Handle errors"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["Implement comprehensive error handling for 3DS payments."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"const googlePayButton = pxpSdk.create('google-pay-button', {\n // ... basic configuration\n \n onPostAuthentication: async (data) => {\n // Retrieve authentication result from backend\n const authResult = await fetchAuthenticationResultFromBackend(data.authenticationId);\n \n // Handle authentication failures\n if (authResult.state === 'AuthenticationFailed') {\n console.log('Authentication failed:', authResult.errorReason);\n showError('Card authentication failed');\n // Don't proceed to authorisation - update session accordingly\n await updateSessionDecision(data.authenticationId, { proceed: false });\n return;\n }\n\n console.log('Authentication successful, proceeding to payment');\n // Update authorisation decision\n await evaluateAuthenticationAndUpdateAuthorization(authResult);\n },\n \n onError: (error) => {\n console.error('Payment error:', error);\n \n // Handle specific 3DS error types\n if (error.code === 'AUTHENTICATION_FAILED') {\n showError('Card verification failed. Please try again.');\n } else if (error.code === 'AUTHENTICATION_TIMEOUT') {\n showError('Verification timed out. Please try again.');\n } else if (error.code === 'AUTHENTICATION_REJECTED') {\n showError('Payment was rejected during verification.');\n } else if (error.code === 'BUYER_ACCOUNT_ERROR') {\n showError('There was an issue with your Google Pay account. Please try another payment method.');\n } else if (error.code === 'MERCHANT_CONFIGURATION_ERROR') {\n showError('Payment system configuration error. Please contact support.');\n logError('Google Pay merchant configuration error', error);\n } else if (error.code === 'NETWORK_ERROR') {\n showError('Connection failed. Please check your internet and try again.');\n } else {\n showError('Payment failed. Please try again or use a different payment method.');\n }\n },\n \n onPostAuthorisation: (result, paymentData) => {\n if (result && 'merchantTransactionId' in result) {\n // Success - MerchantSubmitResult\n handlePaymentSuccess(result, paymentData);\n } else if (result && 'errorCode' in result) {\n // Failure - FailedSubmitResult\n handlePaymentFailure(result);\n }\n }\n});\n\nfunction handlePaymentSuccess(result, paymentData) {\n console.log('✅ Payment successful with 3DS');\n console.log('Transaction ID:', result.merchantTransactionId);\n console.log('System Transaction ID:', result.systemTransactionId);\n \n // Store transaction details\n storeTransactionRecord({\n transactionId: result.merchantTransactionId,\n systemTransactionId: result.systemTransactionId,\n processingType: '3ds',\n paymentMethod: 'google-pay',\n timestamp: new Date().toISOString()\n });\n \n // Redirect to success page\n window.location.href = '/payment-success?txn=' + result.merchantTransactionId;\n}\n\nfunction handlePaymentFailure(result) {\n console.error('❌ Payment failed');\n console.error('Error code:', result.errorCode);\n console.error('Error reason:', result.errorReason);\n console.error('Correlation ID:', result.correlationId);\n \n // Map error codes to user-friendly messages\n const errorMessages = {\n 'INSUFFICIENT_FUNDS': 'Insufficient funds. Please try a different payment method.',\n 'CARD_DECLINED': 'Payment declined by your bank. Please try another card.',\n 'EXPIRED_CARD': 'This card has expired. Please use a different payment method.',\n 'INVALID_CARD': 'Invalid card details. Please try another payment method.',\n 'FRAUD_DETECTED': 'Payment could not be processed. Please contact your bank.',\n 'PROCESSING_ERROR': 'Payment processing error. Please try again.',\n 'LIMIT_EXCEEDED': 'Transaction exceeds your card limit. Try a smaller amount.',\n 'DO_NOT_HONOR': 'Payment declined by your bank. Please try a different payment method.'\n };\n \n const userMessage = errorMessages[result.errorCode] || \n 'Payment could not be completed. Please try a different payment method.';\n \n showError(userMessage);\n \n // Log for analysis\n logPaymentDecline({\n errorCode: result.errorCode,\n errorReason: result.errorReason,\n correlationId: result.correlationId,\n httpStatusCode: result.httpStatusCode,\n timestamp: new Date().toISOString()\n });\n \n // Offer alternative payment methods\n showAlternativePaymentOptions();\n}\n","lang":"typescript"},"children":[]},{"$$mdtype":"Tag","name":"Heading","attributes":{"level":3,"id":"example","__idx":21},"children":["Example"]},{"$$mdtype":"Tag","name":"p","attributes":{},"children":["The following example shows a complete 3DS Google Pay implementation."]},{"$$mdtype":"Tag","name":"CodeBlock","attributes":{"data-language":"typescript","header":{"controls":{"copy":{}}},"source":"import { useEffect, useState } from 'react';\nimport FailedAuthenticationResult from '@pxpio/web-components-sdk/src/services/threeDSServices/types/FailedAuthenticationResult';\nimport MerchantAuthenticationResult from '@pxpio/web-components-sdk/src/services/threeDSServices/types/MerchantAuthenticationResult';\n\nfunction GooglePay3DSCheckout() {\n const [googlePayButton, setGooglePayButton] = useState(null);\n const [isProcessing, setIsProcessing] = useState(false);\n const [error, setError] = useState(null);\n \n useEffect(() => {\n // Initialise SDK\n const pxpSdk = PxpCheckout.initialize({\n environment: 'test',\n session: sessionData, // Get from your backend\n ownerId: 'your-owner-id',\n ownerType: 'MerchantGroup',\n kountDisabled: false, // OPTIONAL: Set to true to disable Kount fraud detection\n transactionData: {\n currency: 'GBP',\n amount: 299.99,\n merchantTransactionId: crypto.randomUUID(),\n merchantTransactionDate: () => new Date().toISOString(),\n entryType: 'Ecom',\n intent: {\n card: 'Authorisation'\n }\n }\n });\n \n // Create Google Pay button with 3DS\n const button = pxpSdk.create('google-pay-button', {\n paymentDataRequest: {\n allowedPaymentMethods: [{\n type: 'CARD',\n parameters: {\n allowedCardNetworks: ['VISA', 'MASTERCARD', 'AMEX'],\n allowedAuthMethods: ['CRYPTOGRAM_3DS']\n }\n // Note: tokenizationSpecification is automatically configured by the SDK from session data\n }],\n transactionInfo: {\n currencyCode: 'GBP',\n countryCode: 'GB',\n totalPriceStatus: 'FINAL',\n totalPrice: '299.99'\n }\n },\n \n // Use Unity authentication strategy\n useUnityAuthenticationStrategy: true,\n \n // Step 1: Set up 3DS\n onPreInitiateAuthentication: () => {\n console.log('🔐 Initiating 3DS authentication');\n return {\n providerId: process.env.REACT_APP_THREEDS_PROVIDER_ID,\n requestorAuthenticationIndicator: '01',\n timeout: 300\n };\n },\n \n // Step 2: Handle pre-initiation result\n onPostInitiateAuthentication: async (data) => {\n if (data instanceof FailedAuthenticationResult) {\n console.error('3DS pre-initiation failed:', data.errorReason);\n return;\n }\n\n const result = data as MerchantAuthenticationResult;\n console.log('Pre-authentication check complete:', result.authenticationId);\n console.log('3DS supported:', result.threeDSecureSupported);\n\n if (!result.authenticationId) {\n return;\n }\n\n const authResult = await fetchAuthenticationResultFromBackend(result.authenticationId);\n await evaluateAuthenticationAndUpdateSession(authResult);\n\n if (authResult.scaMandated) {\n console.log('SCA mandated - full authentication required');\n }\n },\n \n // Step 3: Configure authentication\n onPreAuthentication: async () => {\n console.log('🔍 Configuring full 3DS authentication');\n \n const decision = await getAuthenticationDecision();\n \n if (!decision) {\n return null; // Skip authentication\n }\n \n // Assess transaction risk\n const amount = getTransactionAmount();\n const customerHistory = await getCustomerHistory();\n const isHighRisk = amount > 500 || customerHistory.chargebacks > 0;\n \n let challengeIndicator = '01'; // No preference\n if (isHighRisk) {\n challengeIndicator = '04'; // Mandate challenge\n } else if (amount < 30 && customerHistory.successfulTransactions > 10) {\n challengeIndicator = '02'; // No challenge requested\n }\n \n return {\n merchantCountryNumericCode: '826',\n merchantLegalName: 'Your Store Limited',\n challengeWindowSize: 5,\n requestorChallengeIndicator: challengeIndicator\n };\n },\n \n // Step 4: Handle authentication result\n onPostAuthentication: async (data) => {\n console.log('✅ 3DS authentication completed:', data.authenticationId);\n \n const authResult = await fetchAuthenticationResultFromBackend(data.authenticationId);\n \n if (authResult.state === 'AuthenticationFailed') {\n setError('Card verification failed. Please try again.');\n return;\n }\n \n await evaluateAuthenticationAndUpdateAuthorization(authResult);\n },\n \n // Step 5: Final authorisation\n onPreAuthorisation: async (data) => {\n console.log('💳 Processing payment with 3DS data');\n \n const transactionDecision = await getAuthorisationDecision(data.gatewayTokenId);\n \n if (!transactionDecision) {\n return null;\n }\n \n return {\n riskScreeningData: {\n performRiskScreening: true,\n userIp: \"192.168.1.100\",\n account: {\n id: \"user_12345678\",\n creationDateTime: \"2024-01-15T10:30:00.000Z\"\n },\n fulfillments: [{\n type: \"Shipped\",\n recipientPerson: {\n phoneNumber: \"+1234567890\"\n }\n }]\n }\n };\n },\n \n // Step 6: Handle success/failure\n onPostAuthorisation: (result, paymentData) => {\n setIsProcessing(false);\n \n if (result && 'merchantTransactionId' in result) {\n console.log('✅ Payment authorised with 3DS');\n window.location.href = '/payment-success?txn=' + result.merchantTransactionId;\n } else if (result && 'errorCode' in result) {\n console.error('❌ Payment declined:', result.errorReason);\n setError('Payment declined. Please try another payment method.');\n }\n },\n \n // Step 7: Error handling\n onError: (error) => {\n console.error('Error during 3DS flow:', error);\n setIsProcessing(false);\n \n if (error.code === 'AUTHENTICATION_FAILED') {\n setError('Card verification failed. Please try again.');\n } else if (error.code === 'AUTHENTICATION_TIMEOUT') {\n setError('Verification timed out. Please try again.');\n } else {\n setError('An error occurred. Please try again.');\n }\n },\n \n onCancel: () => {\n console.log('Payment cancelled by user');\n setIsProcessing(false);\n setError(null);\n }\n });\n \n // Mount button\n button.mount('google-pay-button-container');\n setGooglePayButton(button);\n \n // Cleanup\n return () => {\n if (button) {\n button.unmount();\n }\n };\n }, []);\n \n return (\n
\n
\n

Order summary

\n
\n
\n Premium Product\n £299.99\n
\n
\n Total\n £299.99\n
\n
\n
\n \n
\n

Pay with Google Pay (3DS Secure)

\n \n {error && (\n
\n {error}\n
\n )}\n \n
\n \n {isProcessing && (\n
\n Processing secure payment...\n
\n )}\n \n
\n

✓ Protected by 3D Secure authentication

\n

✓ Fast and secure checkout with Google Pay

\n

✓ Additional verification for your safety

\n
\n
\n
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