Card payment with 3-D Secure sequence diagram template

Participants in this sequence diagram

• Shopper
• Merchant checkout
• Payment processor
• Issuer 3DS server
• Card network / issuer

How to use this sequence diagram template

1. Click Open in the editor. The sequence diagram opens on a new page in FlowDiagram — nothing is uploaded and there is no sign-up.
2. Rename, add or delete shapes and drag them where you want; connectors stay attached as things move.
3. Drop in vendor logos from the library — 1,160 of them, including every AWS, Azure and Google Cloud service icon — or restyle it with the colour and theme controls.
4. Prefer text? Edit the Mermaid source below and paste it in through ☰ → Import diagram (see the Mermaid editor); it imports as an editable diagram.
5. Export to PNG, SVG or PDF, or press Ctrl+L for a link that carries the whole diagram.

Mermaid source

The whole template is the text below. Paste it into FlowDiagram, keep it in Git next to the code it describes, or hand it to an AI assistant to extend.

sequenceDiagram
  autonumber
  actor C as Shopper
  participant Shop as Merchant checkout
  participant PSP as Payment processor
  participant ACS as Issuer 3DS server
  participant Bank as Card network / issuer
  C->>Shop: Enter card and click Pay
  Shop->>PSP: Create payment intent (amount, card token)
  PSP->>ACS: 3DS authentication request
  alt Challenge required
    ACS-->>PSP: Challenge URL
    PSP-->>Shop: requires_action
    Shop->>C: Show bank challenge (OTP / app)
    C->>ACS: Approve in banking app
    ACS-->>PSP: Authentication result: success
  else Frictionless
    ACS-->>PSP: Authenticated without challenge
  end
  PSP->>Bank: Authorise payment
  Bank-->>PSP: Approved, auth code
  PSP-->>Shop: payment_intent.succeeded
  Shop-->>C: Order confirmation page
  Note over PSP,Bank: Liability shifts to issuer after 3DS

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