Legacy Merchant Hosted Card Payment with Acquirer Supported 3DS (Current)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.Payee (Merchant) PSP [Acquirer]Payee (Merchant) PSP [Acquirer]Payee (Merchant) [Acceptor] SitePayee (Merchant) [Acceptor] SitePayer (Shopper) [Cardholder] BrowserPayer (Shopper) [Cardholder] BrowserBrowser Form FillerBrowser Form FillerCard Scheme DirectoryCard Scheme DirectoryIssuing Bank [Issuer] WebsiteIssuing Bank [Issuer] WebsiteIssuing Bank [Issuer]Issuing Bank [Issuer]HTTPSEstablish Payment ObligationPresent Check-out page with Pay ButtonSelect Card Payment MethodaltForm FillUser Fills FormCard Payment InitiationPayment InitiationoptStore CardAuthorise3DS part of flowBIN to URL lookup (VAReq message)Lookup URL from BIN“PING”“PING” responseURL3DS redirect (PAReq message)3DS redirect (PAReq message)3DS invoke3DS challenge3DS response (PARes message)3DS response (PARes message)3DS response (PARes message)3DS response (PARes message)Verification of PARes signatureEnd of 3DSAuthorisation RequestAuthorisation ResponseAuthorisation ResponseNotificationResult PageRequest for Settlement process (could be immediate, batch (e.g. daily) or after some days)altCaptureAuto Capture in batch processing at end-of-dayCaptureFulfilmentProvide products or services