Skipping authentication (3DS2) requires additional risk checks due to it’s risky nature.
Xendit recommends to perform authentication (3DS2) when the shopper is present, to prevent potential chargebacks.
To enable optional authentication, request Optional 3DS on the Xendit dashboard.
Perform a card payment without 3D Secure. Useful for trusted transactions, or transactions on cards for which authentication (3DS2) is not available. You will not be able to detect whether a card supports 3DS2 before attempting to do 3DS2.
Do take into account that cards from Canada, The United Kingdom and the United States sometimes do not support 3DS2, for these cards we suggest adding billing details to be verified by the address verification service.
Request - POST /v3/payment_requests
{
"reference_id": "UNIQUE_REFERENCE_ID",
"type": "PAY",
"country": "ID",
"currency": "IDR",
"request_amount": 10000,
"capture_method": "AUTOMATIC",
"channel_code": "CARDS",
"channel_properties": {
"card_details": {
"card_number": "4000000000001091",
"cvn": "123",
"cardholder_first_name": "shopperFirstName",
"cardholder_last_name": "shopperLastName",
"cardholder_email": "shopper_email@domain.co",
"expiry_month": "12",
"expiry_year": "2029"
},
"skip_three_ds": true,
"failure_return_url": "https://xendit.co/failure",
"success_return_url": "https://xendit.co/success",
"statement_descriptor": "Goods"
},
"description": "Description examples",
"metadata": {
"metametadata": "metametametadata"
}
}Response - POST /v3/payment_requests
{
"payment_request_id": "pr-PAYMENT_REQUEST_ID",
"country": "ID",
"currency": "IDR",
"business_id": "YOUR_BUSINESS_ID",
"reference_id": "UNIQUE_REFERENCE_ID",
"description": "Description examples",
"metadata": {
"metametadata": "metametametadata"
},
"created": "2025-07-31T02:56:10.879Z",
"updated": "2025-07-31T02:56:10.879Z",
"status": "SUCCEEDED",
"capture_method": "AUTOMATIC",
"latest_payment_id": "PAYMENT_ID",
"channel_code": "CARDS",
"request_amount": 10000,
"channel_properties": {
"success_return_url": "https://xendit.co/success",
"failure_return_url": "https://xendit.co/failure",
"skip_three_ds": false,
"statement_descriptor": "Goods",
"card_details": {
"masked_card_number": "400000XXXXXX1091",
"expiry_month": "12",
"expiry_year": "2029",
"fingerprint": "61a443574a7d750020465c79",
"type": "CREDIT",
"network": "VISA",
"country": "ID",
"issuer": "PT BANK RAKYAT INDONESIA TBK",
"cardholder_first_name": "shopperFirstName",
"cardholder_last_name": "shopperLastName",
"cardholder_email": "shopper_email@domain.co"
},
"billing_information": { // Fill these up for Address Verification Service
"country": "",
"street_line1": null,
"street_line2": null,
"city": null,
"province_state": null,
"postal_code": null
}
},
"type": "PAY",
"actions": []
}If you receive the SKIP_3DS_FORBIDDEN error, you are not allowed to skip 3DS, request Optional 3DS from the Xendit dashboard.
{
"error_code": "SKIP_3DS_FORBIDDEN",
"message": "Non 3DS card payment requests is not allowed. Please activate the feature on Xendit dashboard before proceeding"
}To retrieve the payment details (detailed error messages, codes and network_transaction_id) from the transaction, follow how to retrieve authorization data for card payments.