When the Cardholder makes a purchase with a 3D Secure supported merchant, the One Time Passcode (OTP) will be generate and is required to be entered by the Cardholder for verification before the Authorization process can start.

OTP Communication Methods

The method of communication will be configured during the Implementation Project. This can be changed at a later date if required.

CLOWD9 Sending Direct to the Cardholder

CLOWD9 will send the OTP by SMS direct to the number held for the Cardholder.

OTP Transmitted to You

CLOWD9 will send the OTP to the configured endpoint whereby you can communicate in the preferred method e.g. SMS, email or in-app.

The following will be provided:

Field	Value	Format
client_id	The Identifier of the Client	string
card_id	The Identifier of the Card	string
customer_id	The Identifier of the Customer associated with the Card	string
sp_transaction_id	The Identifier of the transaction for authentication	string
otp	The alpha and / or numeric OTP for authentication	string
card_acceptor_id	The Identifier associated to the merchant	string
card_acceptor_name	The name of the merchant	string
transaction_datetime	The Date and Time associated with the transaction	integer
transaction_amount	The amount of the purchase for authentication	string
transaction_currency_code	The currency code associated with the transaction. This may not be the same as the card billing currency code	string

Example Message:

"client_id": "958e5955-1ebb-4f70-8179-5fe60bdf8382",  
"card_id": "92d3824f-d3bd-4226-8e60-58ee2c9b39a4", 
"customer_id": "89d02c52-f371-4106-8807-e3325774bd3b", 
"sp_transaction_id": "04bfc2cf-0ae7-4c59-8f55-184337a70a9b", 	
"otp": "829384",   
"card_accepetor_id": "1234", 
"card_acceptor_name": "CLOWD9 TRAVEL",  
"transaction_datetime":1738322465 ,
"transaction_currency_code": "100", 
"transaction_amount": "826",

You will be required to response with the following

Example Response

"SUCCESS"