3DSv2 Sagepay Direct Integration basics

Question

The documentation for Protocol 4.00 could be more helpful. For everyone struggling to get 3DSV2 working, I\'d like the basics spelled out by anyone who has managed to get it wor

Answer 1

WRT "the deadline" mentioned, my understanding of the timeline is as follows:

1. On 14th September 2019, all ecommerce transactions need to go through some form of 3-D Secure. So integrating Direct API v3.00 or v4.00 with 3-D Secure would be fine (consumers will get a better experience with v4.00). SagePay also switch on their v4.00 API around this time, which I sort of anticipate might have teething problems.
2. Some point in 2020: All transactions should go through 3-D Secure V2 (i.e Direct API v4.00), as card schemes (i.e Visa / MasterCard) will stop supporting 3-D Secure V1. So all merchants that have a Direct integration with SagePay for ecommerce payments will have to upgrade to v4.00

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Smitthhy - To test the flow on the SagePay test system where the user has to do something, you have to send through a CardHolder of CHALLENGE (I can't reply to the other post because I don't have a SO reputation of 50 yet - sigh).