Payment Method Authentication Service

Overview

The Payment Method Authentication Service manages 3D Secure (3DS) authentication flows using the PHP SDK. 3DS adds an extra layer of security for online card payments by verifying the cardholder's identity with their bank.

Business Use Cases:

• Fraud prevention - Shift liability to issuers for authenticated transactions

• Regulatory compliance - Meet Strong Customer Authentication (SCA) requirements

• Risk-based - Request 3DS for high-risk transactions

• Global payments - Required for many European and international transactions

Operations

Operation	Description	Use When
preAuthenticate	Initiate 3DS flow before payment. Collects device data for authentication.	Starting 3D Secure flow
authenticate	Execute 3DS challenge or frictionless verification. Performs bank authentication.	After preAuthenticate, complete the 3DS flow
postAuthenticate	Validate authentication results with issuer. Confirms authentication decision.	After customer completes 3DS challenge

SDK Setup

use HyperswitchPrism\PaymentMethodAuthenticationClient;

$authClient = new PaymentMethodAuthenticationClient([
    'connector' => 'stripe',
    'apiKey' => 'YOUR_API_KEY',
    'environment' => 'SANDBOX'
]);

3DS Flow

Flow	User Experience	When It Happens
Frictionless	No interruption	Low risk, returning customer, device recognized
Challenge	Customer enters code	High risk, new device, large amount

Next Steps

• Payment Service - Complete payment after 3DS

• authorize - Use 3DS result for authorization