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Server to Server Payments with 3D Secure Setup Guide

Last updated: 17-May-2024


This guide describes how to collect card details using verifone.JS and authenticate the customer with 3D Secure (3DS) as well as perform 3D Secure authenticated, server-to-server payments.

In addition, this document focuses on the the steps that you (as a merchant) need to complete to accept 3D Secure transactions with card payments offering code samples and implementation tips and a brief glossary.


  • The client - is a computer or software program that requests services or resources from a server over a network. 

  • The server - is a computer or software program that provides services or resources to other computers, known as clients, over a network. Servers are designed to handle requests from clients and fulfill those requests by providing data, processing tasks, or performing computations. 

  •  Client-server is a relationship in which one program, the client, requests a service or resource from another program, the server. 

  • Songbird - is a JavaScript file used used for performing 3D Secure Assessment

  • 3DS - 3-D means 3-domain: issuer domain, acquirer domain, and interoperability domain (the schemes). See more in the 3D Secure documentation.

  • verifone.js library - is a quick and secure way to collect sensitive credit card data. This allows users full control over the checkout experience while maintaining a minimum SAQ A-EP level. 

  • JSON Web Token (JWT) -  is a standardized way to securely send data between two parties (a client and a server). JWTs contain information (claims) encoded in the JSON format. These claims help share specific details between the parties involved. A JWT is a mechanism for verifying the authenticity of some JSON data.

  • Server-to-Server payments - a method used to transfer funds between financial institutions through a secure electronic communication mechanism. This kind of transfer usually entails the direct exchange of data between the servers of the participating financial institutions and is utilized for big or high-volume transactions, including business-to-business payments.


  • This guide assumes a basic understanding of HTML and JavaScript. 

  • This integration requires the ability to run two .JS URLs on the front-end browser. 

  • This integration also requires the ability to make server-side REST API calls. API calls should not be made from the client-side.  

  • 3D Secure authentication is included in this flow, which is required for countries following SCA regulations.  

Before you get started 

Starting from scratch? Follow these steps to get started.  

  • Have access to a Verifone Central account that has the Merchant Cashier or Merchant Supervisor User Role.  

Need help?

Do you have a question? If you didn’t find the answer you are looking for in our documentation, you can contact our Support teams for more information. If you have a technical issue or question, please contact us. We are happy to help.

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