3DS Flows for White-Labeling
If you are using Splitit as a white-label solution for creating and completing installment plans, you may need to check out customers using 3DS. There are two 3DS flows you can use:
- You call your own external 3DS provider and provide its info to Splitit's API
- You use Splitit for 3DS, calling it in the context of creating a Splitit plan
1. External 3DS Provider
Verify 3DS using your own provider then add the following JSON to your Create or Initiate call when you start a Splitit installment plan:
"Attempt3dSecure": false, //this refers to using Splitit for 3DS, which you are not
"ProcessingData": {
"AttemptThreeDSecured": true, // tells Splitit that you are going to pass the 3DS data from your external provider
"SoftDescriptor": "string",
"ThreeDSData": {
"ECI": "string",
"CAVV": "string",
"XID": "string",
"DirectoryServerTxnId": "string",
"ThreeDSVersion": "string",
"TransactionId": "string"
}
ECI, CAVV, and DirectoryServerTxnId are mandatory and should be taken from your 3DS provider.
2. Using Splitit's 3DS
Set Attempt3dSecure to true in the body of your respective Create or Initiate call.
"Attempt3dSecure": true,
You will receive a 641 response in the Authorization object included in your 200 response. Note the Status, which should be Pending3DS, then redirect your customer to the ClientRedirectUrl in the response to have them verify 3DS:
Example of response object with 3DS requirement
{
"InstallmentPlanNumber": "001E4TAVUZ72SU4L4T2N",
"DateCreated": "2025-12-23T05:40:18.058Z",
"RefOrderNumber": "517247749781861075",
"PurchaseMethod": "ECommerce",
"Status": "Initialized",
"Currency": "USD",
"OriginalAmount": 159,
"Amount": 159,
"ExtendedParams": {
"SubMerchantId": "H+cxyTrcWx1zr/Y4jXQRDh0Acz1eMmnNS2dWXdKas0A",
"loanOrderId": "20251224200011300500000105661345"
},
"Authorization": {
"Status": "Pending3DS",
"Date": "2025-12-24T05:40:18.741Z",
"SplititErrorResultCode": "400-641",
"GatewayTransactionID": "GJ48695TM3626JZ3",
"GatewayResultCode": "RedirectShopper",
"GatewayResultMessage": "RedirectShopper",
"ThreeDSRedirect": {
"Url": "https://checkoutshopper-live.adyen.com/checkoutshopper/threeDS2.shtml?pspReference=GJ48694RM3626JZ3",
"Verb": "GET",
"Params": {
"md": "M2RzMi5hMzM5MmY0OTc5YTlmNDVmNjcyMDNiMjEzMGNhMjAyYzRkODUwNjAzYmRmYzkxNGU1MjJmYmQ2ZjIwZTZlMTM2",
"pareq": "BQABBaBt6eCEEtrH-q1RTg_0fedBgo4bHU9aNZCGKUw0NX4UZkQA_T5xirx8-qYiim0M9Uc7dGH84PJXj-GaRM9VaE9J52Hh-vqqAk4vgCpTNKGv7kiZB0NVva1cBHTpALwL7coSldA6yx4kaLjQeoQqUs4kMfP_kUFdys7qDoCyU7lj17QxTqLQ2Gs95B1gBzj5FxAFJvpExl1lvlDj2dAJ3iw4l9qujNGr5-EmiTpdz6FmEf_829PkfRCX3JDuWA4v-ZUn4i3OD-RkFsLA6o9FOvWLgDtwItouqc3v2jSeqDSyYQSw_-ina5MYlGk6Z3V2FSkIJiHhhglDEKUAbLk1AURVf6N4H1KLIx65QMJriRjmh-AuMOxSRJfvKk1vxdwZUDazEw9sGqDkml_iKDPMFThqaTdoaju6ZlTcpAOz1BjRl3bZYtWMWqrjSwTENOpXZ7PZu72-mWpt4ClG3KLrywozImA2Y3nrABlIeJN_V3fW36ZtAlqcUI34LOszXKLRK6JK--sRMZ0s0kt6hgHs0MV6SL6tXr3ee1ZYRyyoG6jU7udsDSdrYdaj-Jv2h2B48X-iukioEwSg6Viulz8atslYVa4Y0C7MbT7dHSbj7xHrlucLJjA1PCDqdTg-TzNy8uqlUYGtSlrNBPvfr4Z1RMx0qM_Log-EmUiy3vbKyBoexwzBXLO36rbEa3UUTMQASnsia2V5IjoiQ0MyRDVDQUQwRUM2MUNEMTRBQkJGRDIxOEExMUE1MThBQUU0QzI1MjkwRkU5OUI3QzMwQkE2QzI5MkM0RkVBRiJ9wH50qUlBULsif6PwyZQjf1iay-UOdE5qSf_MQCWQvWvYPZL380geA_EIZ-dav5xIk_JPomRT9b_dnwBzgfWSXX0aroTrcDLnhBxPU_V4d_XPogQ5IRj2-QjZZ8bdcRGWYv7yyZG4FB_WBWn1loNbHS3MES1AOomrsPokQ08EvlEWxib0O0imuJt6KdcKRCViWJpEcnL9qUbG-OSkFip98CQlDOJn3ti5-v8loNhIfll5O03vtKnVy5Tyjg2UkndgeiafaBGP1chcJBzyKH1V7fJcN4k2Ee9EwMKm3L1O2JGSqU6GD_eYtSVFSHun2VCam8ihjIGV7of_VLWZOrgiKD99cXOCiL5tABioahrDjcr24hd5gLnzv96xXy_zyNFeM3Hm90_2CopFDJuBWwYip2A7FBESqwXSyEprMCJEqjZ_iFVeoAlM3N8R3RGTS8WSSjbETDw2Hyr_7Eb5JlJBohRtGrGfWucV_fCL-eo6upMAEuf_pZ01352gnwvc9BYHaemwHAvp6aBgHGP44Y2uHEx5PuM51pvz4Ya6qOAA-RfSS1oRdTdlq5H_wYBc5ukezi4yLgUAAQEAYN4B_XiHFU09MLFlsMzx2gx4x4FqzwZ9vOQ9l3cjQw7vc2D2-29PWLdnm8tHsZS115oL_enB0bIvrj69x6RcxlLPlBmHkOrI9WMov0GjfQ9Zxth8W1kfx8jiWSUY7FAt9mOjg39VX5m3_N7S15J3Aa7NjTfmt5u0DRZRUXDvdsjJjJQmB5p6mjKqN8-mRuB654EsI5uYGiQ-se9HIP_tJbqDPPX3ykbma9_5d6TI7fr5z5F3eG0lvZXzO5r9KCTbx8PEWyfEpCs0zkq4dbIc_615W8nYGCo9l-30BeKK9Y8VkaEoyTJMTuc10RsxRMhpBC7DtS92cc9n3weiD1oSRAzej1E_1YEFDvjBhRcAAPV44a4zA3hZ3BkXh8F3L_hB22BysQGflVyhTz_ykgvrBnOIcpq8At1IOoA9ufCiqC6EpeFnErex53tdzMJzhpMXnoD8bz3EHHGOfJ0Y7MdXQ9x87Zo3N7QXdtBxYoMqpycuew5R4FKMwiFDYY4DQx_4YqvRRJqgiP7n-fzn_N62oqLNC1TylNiA-L3buI8kf4K83vv1ZgwltmTmg2Uy10xU3g-dLNiVrAa1MsMyKF1c0PxHZhWX9YWJV2yC6l5pGJZH9mMUsYloYN8IqAiBQUrRj-tdIjUn9qCI2HW3dR5-pz0CyuFe5C1l4weA8RTmJF-BRR-NGavGp6aJ-zRW56z7Yw3ixuCStKh5eGXa8kv2R7f42xVUOekk5EygyHk3RbY1oxXfbDVKtYhRuMUloxthaqqQRddBeqQra6RocrZOKL8ZpcGOZ1t48DgtqvnmCxZyRDeHQaDuE3jUfaQz3pbwnA9IQtxyP24F91nZHaDFj8N3mc9WntZHihp1uHxza4pPcq4By4yHcSzU3A0yiEJJG5WTALmm0jwcNpm-7Ap8YMs2wtLqVw1pq72t5GLZ5m51O4OkMxz7RlP-8K0eYp1ydyg_1o9Y8MDZwGOyzd8fy9camHptyTvCBp6Vk-Io076uG1dv_WPfjZtT7T9srmi3dP7pzc4AlXq2YWQCBRNkJn6kVWHH_XlUK8k3nRVx-vevG4NPkZg6DwK-rc9ahpbaSnKGmBvYPpyRy5XQK1E4CkWmfddmNzOukk7pnyyqKA95ZxMuDQbt1caQ_rY-60wJ_WwPXtx67ppBMI8lmiPWuuNvcCetFOEeEtalkSPKx6VMPE-Bh-XkEwgpz4Lv786Tic-TTIb5YVtyF-FNPU9VBlai7mhdAZy5swUIeWSZWh6zt1GLrvmQbYityTLDTuTpS9tfuvlVKVptbqh2NjldQ_HdmMJB4dMX3EuUJDMLsLy3NtujRR55HlPMtn1LFmKHghWSkWUt1T0CvSSJ0whYlJAHMZ-QT1Y7aplqI0JCQZ55isZn28ZDF30VpFrIg4dvh3MZDNS4afD_SVANQDZDwXwpU4VcWwCvYVU9iidJLDtxfR-d6U5R_94VLViqgnUHtEC8ABcpOtI_p2jQ4lUnblS40rwM-j-atbrtNV1PLiJBWBShJx3CUaIUW72w85ilBkbw7zxUwDAzCVXPU6r9w8AIkca0beb8auhVlRcPUbSIy4hm4O_PcF_UoXk23gtZjb0iwTp1bY6eDxaslxPsA9ozDPeGvZC7Lh-c_u_-shkiwXgpbjr9lF4AXNs9h1AEbA4PZGoiwBN0dr7fFrLtgpNDbxKYr3bAI4ouAEZN2mEGoTl7FaC6qUAeqBh4D57snrZuVd--OiKgBTHkPZNGN5xcwnaoOcNA5P6ttIdmRPHNruADlD6IrLUjzMdYzxLF-XfXbYmkVdn39O-8ge_oYB0opsxVgDU-bl0dtx1q6OyitjC6JobFRJbzW_YMnA1q34U5QhQQsC-bui4tZlPOv8JlveHq_YE-Jy8POqiHNQSc24mTBvzFh6p_OhJ6SnR3C1K17ZkuUuDiiA1aaKSJ6pc1puzAfTwoz8F8WqJmpDvTif-QD3_-vtNomxhl3bL4lV562z46kO9-16WKVf8lABvYP-9qERZNff6dtiU1D3We9MUtXRgktvTDghNo3KBFO6lO--WVrhZ2NnYaKXKB0Gj1aGYqs33RnkOoWVio1DngcluRj31OU6D-WGojLj-ZtCUXay_xBi5hgCfK-Wlcdbb2xTuMuOiWn9VFkyNijvmIe8IQx03meOMl2YyOazmjG2568BTUi-vsInIq7xj7Nhy7sJzGN_OonicDFTxqg5xhIF5Bvgy0mq3rXF-Sz2ajwIpuLYDPCqT0BiVUjFdw_oTx5NsLBOsvkWcpC3i2kEIVY-Gnt6Vp4gONqMpTdgFq_Ev5dxgiwqRSdsc-vcORAUrv4am7cf-YkZ_W7cpfwR3T86QiaBpi9PLGZN3Zrvt64pNl2mjbOkOqfe2lB1i0JWxes2A82Yt_QucNtPrBM8ttkmaN26uxb2qTTIVIvDc8BjM9_g9GO4NMt96lwK-Ro-zf3bYBayyO_XOZOUYT4a8rdMkq_wSgD-EixK_EI",
"termUrl": "https://integration.production.splitit.com/gateways/Proxy/Execute?publicToken=001E4TAVCZ72SU4L4T2N&initiator=ApiV3&ipn=001E4UAVXZ72SU4L4T2N"
},
"ClientRedirectUrl": "https://3ds.production.splitit.com/general?issuerRedirectUrl=https%3a%2f%2fcheckoutshopper-live.adyen.com%2fcheckoutshopper%2fthreeDS2.shtml%3fpspReference%3dHJ48694RM3627JZ3&md=M2RzMi5hMzM5MmY0OTc5YTlmNDVmNjcyMDNiMjEzMGNhMjAyYzRkODUwNjAzYmRmYzkxNGU1MjJmYmQ2ZjIwZTZlMTM2&paReq=BQABAgBt6eCEEtrH-q1RTg_0fedBgo4bHU9aNZCGKUw0NX4UZkQA_T5xirx8-qYiim0M9Uc7dGH84PJXj-GaRM9VaE9J52Hh-vqqAk4vgCpTNKGv7kiZB0NVva1cBHTpALwL7coSldA6yx4kaLjQeoQqUs4kMfP_kUFdys7qDoCyU7lj17QxTqLQ2Gs95B1gBzj5FxAFJvpExl1lvlDj2dAJ3iw4l9qujNGr5-EmiTpdz6FmEf_829PkfRCX3JDuWA4v-ZUn4i3OD-RkFsLA6o9FOvWLgDtwItouqc3v2jSeqDSyYQSw_-ina5MYlGk6Z3V2FSkIJiHhhglDEKUAbLk1AURVf6N4H1KLIx65QMJriRjmh-AuMOxSRJfvKk1vxdwZUDazEw9sGqDkml_iKDPMFThqaTdoaju6ZlTcpAOz1BjRl3bZYtWMWqrjSwTENOpXZ7PZu72-mWpt4ClG3KLrywozImA2Y3nrABlIeJN_V3fW36ZtAlqcUI34LOszXKLRK6JK--sRMZ0s0kt6hgHs0MV6SL6tXr3ee1ZYRyyoG6jU7udsDSdrYdaj-Jv2h2B48X-iukioEwSg6Viulz8atslYVa4Y0C7MbT7dHSbj7xHrlucLJjA1PCDqdTg-TzNy8uqlUYGtSlrNBPvfr4Z1RMx0qM_Log-EmUiy3vbKyBoexwzBXLO36rbEa3UUTMQASnsia2V5IjoiQ0MyRDVDQUQwRUM2MUNEMTRBQkJGRDIxOEExMUE1MThBQUU0QzI1MjkwRkU5OUI3QzMwQkE2QzI5MkM0RkVBRiJ9wH50qUlBULsif6PwyZQjf1iay-UOdE5qSf_MQCWQvWvYPZL380geA_EIZ-dav5xIk_JPomRT9b_dnwBzgfWSXX0aroTrcDLnhBxPU_V4d_XPogQ5IRj2-QjZZ8bdcRGWYv7yyZG4FB_WBWn1loNbHS3MES1AOomrsPokQ08EvlEWxib0O0imuJt6KdcKRCViWJpEcnL9qUbG-OSkFip98CQlDOJn3ti5-v8loNhIfll5O03vtKnVy5Tyjg2UkndgeiafaBGP1chcJBzyKH1V7fJcN4k2Ee9EwMKm3L1O2JGSqU6GD_eYtSVFSHun2VCam8ihjIGV7of_VLWZOrgiKD99cXOCiL5tABioahrDjcr24hd5gLnzv96xXy_zyNFeM3Hm90_2CopFDJuBWwYip2A7FBESqwXSyEprMCJEqjZ_iFVeoAlM3N8R3RGTS8WSSjbETDw2Hyr_7Eb5JlJBohRtGrGfWucV_fCL-eo6upMAEuf_pZ01352gnwvb9BYHaemwHAvp6aBgHGP44Y2uHEx5PuM51pvz4Ya6qOAA-RfSS1oRdTdlq5H_wYBc5ukezi4yLgUAAQEAYN4B_XiHFU09MLFlsMzx2gx4x4FqzwZ9vOQ9l3cjQw7vc2D2-29PWLdnm8tHsZS115oL_enB0bIvrj69x6RcxlLPlBmHkOrI9WMov0GjfQ9Zxth8W1kfx8jiWSUY7FAt9mOjg39VX5m3_N7S15J3Aa7NjTfmt5u0DRZRUXDvdsjJjJQmB5p6mjKqN8-mRuB654EsI5uYGiQ-se9HIP_tJbqDPPX3ykbma9_5d6TI7fr5z5F3eG0lvZXzO5r9KCTbx8PEWyfEpCs0zkq4dbIc_615W8nYGCo9l-30BeKK9Y8VkaEoyTJMTuc10RsxRMhpBC7DtS92cc9n3weiD1oSRAzej1E_1YEFDvjBhRcAAPV44a4zA3hZ3BkXh8F3L_hB22BysQGflVyhTz_ykgvrBnOIcpq8At1IOoA9ufCiqC6EpeFnErex53tdzMJzhpMXnoD8bz3EHHGOfJ0Y7MdXQ9x87Zo3N7QXdtBxYoMqpycuew5R4FKMwiFDYY4DQx_4YqvRRJqgiP7n-fzn_N62oqLNC1TylNiA-L3buI8kf4K83vv1ZgwltmTmg2Uy10xU3g-dLNiVrAa1MsMyKF1c0PxHZhWX9YWJV2yC6l5pGJZH9mMUsYloYN8IqAiBQUrRj-tdIjUn9qCI2HW3dR5-pz0CyuFe5C1l4weA8RTmJF-BRR-NGavGp6aJ-zRW56z7Yw3ixuCStKh5eGXa8kv2R7f42xVUOekk5EygyHk3RbY1oxXfbDVKtYhRuMUloxthaqqQRddBeqQra6RocrZOKL8ZpcGOZ1t48DgtqvnmCxZyRDeHQaDuE3jUfaQz3pbwnA9IQtxyP24F91nZHaDFj8N3mc9WntZHihp1uHxza4pPcq4By4yHcSzU3A0yiEJJG5WTALmm0jwcNpm-7Ap8YMs2wtLqVw1pq72t5GLZ5m51O4OkMxz7RlP-8K0eYp1ydyg_1o9Y8MDZwGOyzd8fy9camHptyTvCBp6Vk-Io076uG1dv_WPfjZtT7T9srmi3dP7pzc4AlXq2YWQCBRNkJn6kVWHH_XlUK8k3nRVx-vevG4NPkZg6DwK-rc9ahpbaSnKGmBvYPpyRy5XQK1E4CkWmfddmNzOukk7pnyyqKA95ZxMuDQbt1caQ_rY-60wJ_WwPXtx67ppBMI8lmiPWuuNvcCetFOEeEtalkSPKx6VMPE-Bh-XkEwgpz4Lv786Tic-TTIb5YVtyF-FNPU9VBlai7mhdAZy5swUIeWSZWh6zt1GLrvmQbYityTLDTuTpS9tfuvlVKVptbqh2NjldQ_HdmMJB4dMX3EuUJDMLsLy3NtujRR55HlPMtn1LFmKHghWSkWUt1T0CvSSJ0whYlJAHMZ-QT1Y7aplqI0JCQZ55isZn28ZDF30VpFrIg4dvh3MZDNS4afD_SVANQDZDwXwpU4VcWwCvYVU9iidJLDtxfR-d6U5R_94VLViqgnUHtEC8ABcpOtI_p2jQ4lUnblS40rwM-j-atbrtNV1PLiJBWBShJx3CUaIUW72w85ilBkbw7zxUwDAzCVXPU6r9w8AIkca0beb8auhVlRcPUbSIy4hm4O_PcF_UoXk23gtZjb0iwTp1bY6eDxaslxPsA9ozDPeGvZC7Lh-c_u_-shkiwXgpbjr9lF4AXNs9h1AEbA4PZGoiwBN0dr7fFrLtgpNDbxKYr3bAI4ouAEZN2mEGoTl7FaC6qUAeqBh4D57snrZuVd--OiKgBTHkPZNGN5xcwnaoOcNA5P6ttIdmRPHNruADlD6IrLUjzMdYzxLF-XfXbYmkVdn39O-8ge_oYB0opsxVgDU-bl0dtx1q6OyitjC6JobFRJbzW_YMnA1q34U5QhQQsC-bui4tZlPOv8JlveHq_YE-Jy8POqiHNQSc24mTBvzFh6p_OhJ6SnR3C1K17ZkuUuDiiA1aaKSJ6pc1puzAfTwoz8F8WqJmpDvTif-QD3_-vtNomxhl3bL4lV562z46kO9-16WKVf8lABvYP-9qERZNff6dtiU1D3We9MUtXRgktvTDghNo3KBFO6lO--WVrhZ2NnYaKXKB0Gj1aGYqs33RnkOoWVio1DngcluRj31OU6D-WGojLj-_ZtCUXay__xBi5hgCfK-Wlcdbb2xTuMuOiWn9VFkyNijvmIe8IQx03meOMl2YyOazmjG2568BTUi-vsInIq7xj7Nhy7sJzGN_OonicDFTxqg5xhIF5Bvgy0mq3rXF-Sz2ajwIpuLYDPCqT0BiVUjFdw_oTx5NsLBOsvkWcpC3i2kEIVY-Gnt6Vp4gONqMpTdgFq_Ev5dxgiwqRSdsc-vcORAUrv4am7cf-YkZ_W7cpfwR3T86QiaBpi9PLGZN3Zrvt64pNl2mjbOkOqfe2lB1i0JWxes2A82Yt_QucNtPrBM8ttkmaN26uxb2qTTIVIvDc8BjM9_g9GO4NMt96lwK-Ro-zf3bYBayyO_XOZOUYT4a8rdMkq_wSgD-EixK_EI&termUrl=https%3a%2f%2fintegration.production.splitit.com%2fgateways%2fProxy%2fExecute%3fpublicToken%3d001D4TAVUZ72SU4L4T2N%26initiator%3dApiV3%26ipn%3d001D4TAVUZ72SU4L4T2N&initiator=ApiV3&ipn=001D4TAVUZ72SU4L4T2N&publicToken=001D4TAVUZ72SU4L4T2N"
},
"CAVV": null,
"ECI": null,
"GatewaySourceResponse": ""
},
"Shopper": {
"FullName": "John Doe",
"Email": "davedle472@yahoo.com",
"Culture": "en-US"
},
"BillingAddress": {
"AddressLine": "676 Bruce Way SW",
"AddressLine2": "",
"City": "Lilburn ",
"Country": "US",
"State": "GA",
"Zip": "30047"
},
"PaymentMethod": {
"Type": "Card",
"Card": {
"CardHolderFullName": "John Doe",
"CardNumber": "***********1005",
"CardExpYear": "2030",
"CardExpMonth": "5",
"CardBrand": "AmericanExpress",
"CardType": "Credit"
},
"Token": null,
"BluesnapVaultedShopperToken": null,
"MockerShopperToken": null,
"SpreedlyToken": null,
"CardPAR": null
},
"Installments": [
{
"InstallmentNumber": 1,
"Amount": 53,
"ProcessDateTime": "2025-12-24T05:40:18.057"
}
],
"TRIMMED": "TRUE"
}
If it is successful, the Create or Initate call will continue processing and the Status field will change to Succeeded. Alternately, you will receive an error object.