1 line
34 KiB
XML
1 line
34 KiB
XML
<?xml version="1.0" encoding="UTF-8" standalone="yes"?><svg xmlns="http://www.w3.org/2000/svg" xmlns:xlink="http://www.w3.org/1999/xlink" height="1657px" style="width:2250px;height:1657px;" version="1.1" viewBox="0 0 2250 1657" width="2250px"><defs/><g><text fill="#000000" font-family="Lucida Sans" font-size="14" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="625" x="813.5" y="22.9951">Legacy Merchant Hosted Card Payment with Acquirer Supported 3DS (Current)</text><text fill="#000000" font-family="Lucida Sans" font-size="14" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="0" x="1128.5" y="39.292"/><text fill="#000000" font-family="Lucida Sans" font-size="14" font-style="italic" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="1115" x="568.5" y="55.5889">3DS is used to add confidence that the payer is who they say they are and importantly in the event of a dispute liability shift to the Issuer.</text><rect fill="#FFFFFF" height="96.3984" style="stroke: #000000; stroke-width: 2.0;" width="1234.5" x="1004.5" y="311.7188"/><rect fill="#FFFFFF" height="44.1328" style="stroke: none; stroke-width: 1.0;" width="1234.5" x="1004.5" y="363.9844"/><rect fill="#FFFFFF" height="59.2656" style="stroke: #000000; stroke-width: 2.0;" width="911.5" x="722" y="500.3828"/><rect fill="#FFFFFF" height="96.3984" style="stroke: #000000; stroke-width: 2.0;" width="1016.5" x="387" y="1366.8359"/><rect fill="#FFFFFF" height="44.1328" style="stroke: none; stroke-width: 1.0;" width="1016.5" x="387" y="1419.1016"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="515" x2="515" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="854" x2="854" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="1148.5" x2="1148.5" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="1364.5" x2="1364.5" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="1533.5" x2="1533.5" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="1739.5" x2="1739.5" y1="145.1875" y2="1581.6328"/><line style="stroke: #A80036; stroke-width: 1.0; stroke-dasharray: 5.0,5.0;" x1="1937.5" x2="1937.5" y1="145.1875" y2="1581.6328"/><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="237" x="397" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="223" x="404" y="133.8857">Payee (Merchant) PSP [Acquirer]</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="237" x="397" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="223" x="404" y="1600.6279">Payee (Merchant) PSP [Acquirer]</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="245" x="732" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="227" x="739" y="133.8857">Payee (Merchant) [Acceptor] Site</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="245" x="732" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="227" x="739" y="1600.6279">Payee (Merchant) [Acceptor] Site</text><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="262" x="1014.5" y="141.8857">Payer (Shopper) [Cardholder] Browser</text><ellipse cx="1148.5" cy="75.8906" fill="#FEFECE" rx="8" ry="8" style="stroke: #A80036; stroke-width: 2.0;"/><path d="M1148.5,83.8906 L1148.5,110.8906 M1135.5,91.8906 L1161.5,91.8906 M1148.5,110.8906 L1135.5,125.8906 M1148.5,110.8906 L1161.5,125.8906 " fill="#FEFECE" style="stroke: #A80036; stroke-width: 2.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="262" x="1014.5" y="1593.6279">Payer (Shopper) [Cardholder] Browser</text><ellipse cx="1148.5" cy="1606.9297" fill="#FEFECE" rx="8" ry="8" style="stroke: #A80036; stroke-width: 2.0;"/><path d="M1148.5,1614.9297 L1148.5,1641.9297 M1135.5,1622.9297 L1161.5,1622.9297 M1148.5,1641.9297 L1135.5,1656.9297 M1148.5,1641.9297 L1161.5,1656.9297 " fill="#FEFECE" style="stroke: #A80036; stroke-width: 2.0;"/><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="145" x="1292.5" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="131" x="1299.5" y="133.8857">Browser Form Filler</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="145" x="1292.5" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="131" x="1299.5" y="1600.6279">Browser Form Filler</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="173" x="1447.5" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="159" x="1454.5" y="133.8857">Card Scheme Directory</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="173" x="1447.5" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="159" x="1454.5" y="1600.6279">Card Scheme Directory</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="218" x="1630.5" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="204" x="1637.5" y="133.8857">Issuing Bank [Issuer] Website</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="218" x="1630.5" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="204" x="1637.5" y="1600.6279">Issuing Bank [Issuer] Website</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="158" x="1858.5" y="113.8906"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="144" x="1865.5" y="133.8857">Issuing Bank [Issuer]</text><rect fill="#FEFECE" height="30.2969" style="stroke: #A80036; stroke-width: 1.5;" width="158" x="1858.5" y="1580.6328"/><text fill="#000000" font-family="Lucida Sans" font-size="14" lengthAdjust="spacingAndGlyphs" textLength="144" x="1865.5" y="1600.6279">Issuing Bank [Issuer]</text><polygon fill="#FBFB77" points="728,160.1875,728,185.1875,1273,185.1875,1273,170.1875,1263,160.1875,728,160.1875" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1263" x2="1263" y1="160.1875" y2="170.1875"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1273" x2="1263" y1="170.1875" y2="170.1875"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="41" x="975.75" y="177.2544">HTTPS</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="210.8867"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="210.8867" y2="210.8867"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="213.8867" y2="213.8867"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="237" x="1007.5" y="200.3203"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="218" x="1013.5" y="216.3872">Establish Payment Obligation</text><polygon fill="#A80036" points="1136.5,250.4531,1146.5,254.4531,1136.5,258.4531,1140.5,254.4531" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="854.5" x2="1142.5" y1="254.4531" y2="254.4531"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="861.5" y="249.52">1</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="257" x="874.5" y="249.52">Present Check-out page with Pay Button</text><line style="stroke: #A80036; stroke-width: 1.0;" x1="1148.5" x2="1190.5" y1="283.7188" y2="283.7188"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1190.5" x2="1190.5" y1="283.7188" y2="296.7188"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1149.5" x2="1190.5" y1="296.7188" y2="296.7188"/><polygon fill="#A80036" points="1159.5,292.7188,1149.5,296.7188,1159.5,300.7188,1155.5,296.7188" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="1155.5" y="278.6528">2</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="187" x="1168.5" y="278.6528">Select Card Payment Method</text><rect fill="none" height="96.3984" style="stroke: #000000; stroke-width: 2.0;" width="1234.5" x="1004.5" y="311.7188"/><polygon fill="#EEEEEE" points="1004.5,311.7188,1068.5,311.7188,1068.5,318.7188,1058.5,328.7188,1004.5,328.7188,1004.5,311.7188" style="stroke: #000000; stroke-width: 2.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="19" x="1019.5" y="324.7856">alt</text><polygon fill="#A80036" points="1159.5,348.8516,1149.5,352.8516,1159.5,356.8516,1155.5,352.8516" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1153.5" x2="1364" y1="352.8516" y2="352.8516"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="1165.5" y="347.9185">3</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="53" x="1178.5" y="347.9185">Form Fill</text><polygon fill="#FBFB77" points="1370,333.8516,1370,358.8516,2229,358.8516,2229,343.8516,2219,333.8516,1370,333.8516" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="2219" x2="2219" y1="333.8516" y2="343.8516"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="2229" x2="2219" y1="343.8516" y2="343.8516"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="838" x="1376" y="350.9185">fields are PAN & Expiry Date with optional CVV, & Address, Also Card Valid Date and Issue Number are required for some Schemes</text><line style="stroke: #000000; stroke-width: 1.0; stroke-dasharray: 2.0,2.0;" x1="1004.5" x2="2239" y1="364.9844" y2="364.9844"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1148.5" x2="1190.5" y1="387.1172" y2="387.1172"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1190.5" x2="1190.5" y1="387.1172" y2="400.1172"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1149.5" x2="1190.5" y1="400.1172" y2="400.1172"/><polygon fill="#A80036" points="1159.5,396.1172,1149.5,400.1172,1159.5,404.1172,1155.5,400.1172" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="1155.5" y="382.0513">4</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="94" x="1168.5" y="382.0513">User Fills Form</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="435.6836"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="435.6836" y2="435.6836"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="438.6836" y2="438.6836"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="193" x="1029.5" y="425.1172"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="174" x="1035.5" y="441.1841">Card Payment Initiation</text><polygon fill="#A80036" points="865.5,478.25,855.5,482.25,865.5,486.25,861.5,482.25" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="859.5" x2="1147.5" y1="482.25" y2="482.25"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="871.5" y="477.3169">5</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="115" x="884.5" y="477.3169">Payment Initiation</text><polygon fill="#FBFB77" points="1153,463.25,1153,488.25,1840,488.25,1840,473.25,1830,463.25,1153,463.25" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1830" x2="1830" y1="463.25" y2="473.25"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1840" x2="1830" y1="473.25" y2="473.25"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="666" x="1159" y="480.3169">Custom code on merchant webpage can encrypt payload to reduce PCI burden from SAQ D to SAQ A-EP</text><rect fill="none" height="59.2656" style="stroke: #000000; stroke-width: 2.0;" width="911.5" x="722" y="500.3828"/><polygon fill="#EEEEEE" points="722,500.3828,792,500.3828,792,507.3828,782,517.3828,722,517.3828,722,500.3828" style="stroke: #000000; stroke-width: 2.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="25" x="737" y="513.4497">opt</text><line style="stroke: #A80036; stroke-width: 1.0;" x1="854.5" x2="896.5" y1="538.6484" y2="538.6484"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="896.5" x2="896.5" y1="538.6484" y2="551.6484"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="855.5" x2="896.5" y1="551.6484" y2="551.6484"/><polygon fill="#A80036" points="865.5,547.6484,855.5,551.6484,865.5,555.6484,861.5,551.6484" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="861.5" y="533.5825">6</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="69" x="874.5" y="533.5825">Store Card</text><polygon fill="#FBFB77" points="955,526.0156,955,551.0156,1623,551.0156,1623,536.0156,1613,526.0156,955,526.0156" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1613" x2="1613" y1="526.0156" y2="536.0156"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1623" x2="1613" y1="536.0156" y2="536.0156"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="647" x="961" y="543.0825">Merchant can store card details apart from CVV (even if encrypted) for future use (a.k.a. Card on File)</text><polygon fill="#A80036" points="526.5,583.6484,516.5,587.6484,526.5,587.6484" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="853.5" y1="587.6484" y2="587.6484"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="532.5" y="582.7153">7</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="61" x="545.5" y="582.7153">Authorise</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="616.3477"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="616.3477" y2="616.3477"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="619.3477" y2="619.3477"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="140" x="1056" y="605.7813"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="121" x="1062" y="621.8481">3DS part of flow</text><polygon fill="#FBFB77" points="8,643.9141,8,668.9141,1363,668.9141,1363,653.9141,1353,643.9141,8,643.9141" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1353" x2="1353" y1="643.9141" y2="653.9141"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1363" x2="1353" y1="653.9141" y2="653.9141"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="1334" x="14" y="660.981">At this point, the Merchant or Merchant's PSP can decide if it wishes to invoke 3DS. This might be based on transaction value (i.e. low value -> low risk) or other factors, e.g. if the Shopper is a repeat purchaser.</text><polygon fill="#A80036" points="1522,691.0469,1532,695.0469,1522,699.0469,1526,695.0469" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="1528" y1="695.0469" y2="695.0469"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="522.5" y="690.1138">8</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="233" x="535.5" y="690.1138">BIN to URL lookup (VAReq message)</text><line style="stroke: #A80036; stroke-width: 1.0;" x1="1534" x2="1576" y1="724.3125" y2="724.3125"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1576" x2="1576" y1="724.3125" y2="737.3125"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1535" x2="1576" y1="737.3125" y2="737.3125"/><polygon fill="#A80036" points="1545,733.3125,1535,737.3125,1545,741.3125,1541,737.3125" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="9" x="1541" y="719.2466">9</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="135" x="1554" y="719.2466">Lookup URL from BIN</text><polygon fill="#A80036" points="1727.5,765.3125,1737.5,769.3125,1727.5,773.3125,1731.5,769.3125" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1534" x2="1733.5" y1="769.3125" y2="769.3125"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1541" y="764.3794">10</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="45" x="1563" y="764.3794">“PING”</text><polygon fill="#FBFB77" points="1744,750.3125,1744,775.3125,1876,775.3125,1876,760.3125,1866,750.3125,1744,750.3125" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1866" x2="1866" y1="750.3125" y2="760.3125"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1876" x2="1866" y1="760.3125" y2="760.3125"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="111" x="1750" y="767.3794">verify URL validity</text><polygon fill="#A80036" points="1545,797.4453,1535,801.4453,1545,805.4453,1541,801.4453" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1539" x2="1738.5" y1="801.4453" y2="801.4453"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1551" y="796.5122">11</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="108" x="1573" y="796.5122">“PING” response</text><polygon fill="#A80036" points="526.5,826.5781,516.5,830.5781,526.5,834.5781,522.5,830.5781" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="520.5" x2="1533" y1="830.5781" y2="830.5781"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="532.5" y="825.645">12</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="25" x="554.5" y="825.645">URL</text><polygon fill="#A80036" points="842.5,860.7109,852.5,860.7109,842.5,864.7109" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="853.5" y1="859.7109" y2="859.7109"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="854.7778">13</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="198" x="544.5" y="854.7778">3DS redirect (PAReq message)</text><polygon fill="#A80036" points="1136.5,884.8438,1146.5,888.8438,1136.5,892.8438,1140.5,888.8438" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="854.5" x2="1142.5" y1="888.8438" y2="888.8438"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="861.5" y="883.9106">14</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="198" x="883.5" y="883.9106">3DS redirect (PAReq message)</text><polygon fill="#A80036" points="1727.5,913.9766,1737.5,917.9766,1727.5,921.9766,1731.5,917.9766" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1148.5" x2="1733.5" y1="917.9766" y2="917.9766"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1155.5" y="913.0435">15</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="72" x="1177.5" y="913.0435">3DS invoke</text><polygon fill="#A80036" points="1159.5,943.1094,1149.5,947.1094,1159.5,947.1094" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1148.5" x2="1738.5" y1="947.1094" y2="947.1094"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1165.5" y="942.1763">16</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="92" x="1187.5" y="942.1763">3DS challenge</text><polygon fill="#A80036" points="1727.5,977.2422,1737.5,977.2422,1727.5,981.2422" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1148.5" x2="1738.5" y1="976.2422" y2="976.2422"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1155.5" y="971.3091">17</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="207" x="1177.5" y="971.3091">3DS response (PARes message)</text><polygon fill="#A80036" points="1159.5,1001.375,1149.5,1005.375,1159.5,1009.375,1155.5,1005.375" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1153.5" x2="1738.5" y1="1005.375" y2="1005.375"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="1165.5" y="1000.4419">18</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="207" x="1187.5" y="1000.4419">3DS response (PARes message)</text><polygon fill="#A80036" points="865.5,1030.5078,855.5,1034.5078,865.5,1038.5078,861.5,1034.5078" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="859.5" x2="1147.5" y1="1034.5078" y2="1034.5078"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="871.5" y="1029.5747">19</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="207" x="893.5" y="1029.5747">3DS response (PARes message)</text><polygon fill="#A80036" points="526.5,1059.6406,516.5,1063.6406,526.5,1063.6406" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="853.5" y1="1063.6406" y2="1063.6406"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="532.5" y="1058.7075">20</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="207" x="554.5" y="1058.7075">3DS response (PARes message)</text><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="557.5" y1="1092.9063" y2="1092.9063"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="557.5" x2="557.5" y1="1092.9063" y2="1105.9063"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="516.5" x2="557.5" y1="1105.9063" y2="1105.9063"/><polygon fill="#A80036" points="526.5,1101.9063,516.5,1105.9063,526.5,1109.9063,522.5,1105.9063" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="1087.8403">21</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="195" x="544.5" y="1087.8403">Verification of PARes signature</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="1134.4727"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1134.4727" y2="1134.4727"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1137.4727" y2="1137.4727"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="101" x="1075.5" y="1123.9063"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="82" x="1081.5" y="1139.9731">End of 3DS</text><polygon fill="#A80036" points="1925.5,1174.0391,1935.5,1178.0391,1925.5,1178.0391" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="1936.5" y1="1178.0391" y2="1178.0391"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="1173.106">22</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="141" x="544.5" y="1173.106">Authorisation Request</text><polygon fill="#A80036" points="526.5,1208.1719,516.5,1208.1719,526.5,1212.1719" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="1936.5" y1="1207.1719" y2="1207.1719"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="532.5" y="1202.2388">23</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="151" x="554.5" y="1202.2388">Authorisation Response</text><polygon fill="#A80036" points="842.5,1237.3047,852.5,1237.3047,842.5,1241.3047" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="853.5" y1="1236.3047" y2="1236.3047"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="1231.3716">24</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="151" x="544.5" y="1231.3716">Authorisation Response</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="1265.0039"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1265.0039" y2="1265.0039"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1268.0039" y2="1268.0039"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="104" x="1074" y="1254.4375"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="85" x="1080" y="1270.5044">Notification</text><polygon fill="#A80036" points="1136.5,1304.5703,1146.5,1308.5703,1136.5,1312.5703,1140.5,1308.5703" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="854.5" x2="1142.5" y1="1308.5703" y2="1308.5703"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="861.5" y="1303.6372">25</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="75" x="883.5" y="1303.6372">Result Page</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="1337.2695"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1337.2695" y2="1337.2695"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1340.2695" y2="1340.2695"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="704" x="774" y="1326.7031"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="685" x="780" y="1342.77">Request for Settlement process (could be immediate, batch (e.g. daily) or after some days)</text><rect fill="none" height="96.3984" style="stroke: #000000; stroke-width: 2.0;" width="1016.5" x="387" y="1366.8359"/><polygon fill="#EEEEEE" points="387,1366.8359,451,1366.8359,451,1373.8359,441,1383.8359,387,1383.8359,387,1366.8359" style="stroke: #000000; stroke-width: 2.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="19" x="402" y="1379.9028">alt</text><polygon fill="#A80036" points="526.5,1403.9688,516.5,1407.9688,526.5,1411.9688,522.5,1407.9688" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="520.5" x2="853.5" y1="1407.9688" y2="1407.9688"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="532.5" y="1403.0356">26</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="51" x="554.5" y="1403.0356">Capture</text><polygon fill="#FBFB77" points="859,1388.9688,859,1413.9688,1393,1413.9688,1393,1398.9688,1383,1388.9688,859,1388.9688" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1383" x2="1383" y1="1388.9688" y2="1398.9688"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="1393" x2="1383" y1="1398.9688" y2="1398.9688"/><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="513" x="865" y="1406.0356">Later Capture may be called, for example after good shipped or tickets pickedup</text><line style="stroke: #000000; stroke-width: 1.0; stroke-dasharray: 2.0,2.0;" x1="387" x2="1403.5" y1="1420.1016" y2="1420.1016"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="557.5" y1="1442.2344" y2="1442.2344"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="557.5" x2="557.5" y1="1442.2344" y2="1455.2344"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="516.5" x2="557.5" y1="1455.2344" y2="1455.2344"/><polygon fill="#A80036" points="526.5,1451.2344,516.5,1455.2344,526.5,1459.2344,522.5,1455.2344" style="stroke: #A80036; stroke-width: 1.0;"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="1437.1685">27</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="303" x="544.5" y="1437.1685">Auto Capture in batch processing at end-of-day</text><polygon fill="#A80036" points="1925.5,1487.2344,1935.5,1491.2344,1925.5,1495.2344,1929.5,1491.2344" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="515.5" x2="1931.5" y1="1491.2344" y2="1491.2344"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="522.5" y="1486.3013">28</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="51" x="544.5" y="1486.3013">Capture</text><rect fill="#FFFFFF" height="3" style="stroke: #FFFFFF; stroke-width: 1.0;" width="2246" x="3" y="1519.9336"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1519.9336" y2="1519.9336"/><line style="stroke: #000000; stroke-width: 1.0;" x1="3" x2="2249" y1="1522.9336" y2="1522.9336"/><rect fill="#FFFFFF" height="23.1328" style="stroke: #000000; stroke-width: 2.0;" width="93" x="1079.5" y="1509.3672"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="74" x="1085.5" y="1525.4341">Fulfilment</text><polygon fill="#A80036" points="1136.5,1559.5,1146.5,1563.5,1136.5,1567.5,1140.5,1563.5" style="stroke: #A80036; stroke-width: 1.0;"/><line style="stroke: #A80036; stroke-width: 1.0;" x1="854.5" x2="1142.5" y1="1563.5" y2="1563.5"/><text fill="#000000" font-family="Lucida Sans" font-size="13" font-weight="bold" lengthAdjust="spacingAndGlyphs" textLength="18" x="861.5" y="1558.5669">29</text><text fill="#000000" font-family="Lucida Sans" font-size="13" lengthAdjust="spacingAndGlyphs" textLength="180" x="883.5" y="1558.5669">Provide products or services</text></g></svg> |