Card – Redirect

When properly set up in your merchant/webshop site and the payer starts the purchase process, you need to make a POST request towards Swedbank Pay with your Purchase information. This will generate a payment object with a unique paymentID. You will receive a redirect URL to a Swedbank Pay payment page.

Step 1: Create A Purchase

A Purchase payment is a straightforward way to charge the card of the payer. It is followed up by posting a capture, cancellation or reversal transaction.

An example of an abbreviated POST request is provided below. Each individual field of the JSON document is described in the following section. An example of an expanded POST request is available in the other features section.

Callback URL: It is mandatory to set a callbackUrl in the POST request creating the payment. When callbackUrl is set, Swedbank Pay will send a POST request to this URL when the payer has fulfilled the payment. Upon receiving this POST request, a subsequent GET request towards the id of the payment generated initially must be made to receive the state of the transaction.

To minimize the risk for a challenge request (Strong Customer Authentication – “SCA”) on card payments, it’s recommended that you add as much data as possible to the riskIndicator object in the request below.

GDPR: GDPR sensitive data such as email, phone numbers and social security numbers must not be used directly in request fields such as payerReference. If it is necessary to use GDPR sensitive data, it must be hashed and then the hash can be used in requests towards Swedbank Pay.

Purchase

A Purchase payment is a straightforward way to charge the card of the payer. It is followed up by posting a capture, cancellation or reversal transaction. An example of a request is provided below. Each individual field of the JSON document is described in the following section.

Purchase Operation

Posting a payment (operation Purchase) returns the options of aborting the payment altogether or creating an authorization transaction through the redirect-authorization hyperlink.

Request

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{
    "payment": {
        "operation": "Purchase"
    }
}

Card Payment Request

Request

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POST /psp/creditcard/payments HTTP/1.1
Authorization: Bearer <AccessToken>
Content-Type: application/json

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{
    "payment": {
        "operation": "Purchase",
        "intent": "Authorization",
        "currency": "SEK",
        "prices": [{
                "type": "CreditCard",
                "amount": 1500,
                "vatAmount": 0
            }
        ],
        "description": "Test Purchase",
        "userAgent": "Mozilla/5.0...",
        "language": "sv-SE",
        "urls": { 
            "completeUrl": "https://example.com/payment-completed",
            "cancelUrl": "https://example.com/payment-cancelled",
            "callbackUrl": "https://example.com/payment-callback",
            "logoUrl": "https://example.com/payment-logo.png",
            "termsOfServiceUrl": "https://example.com/payment-terms.pdf",
        },
        "payeeInfo": {
            "payeeId": "5cabf558-5283-482f-b252-4d58e06f6f3b",
            "payeeReference": "CD1234",
            "payeeName": "Merchant1",
            "productCategory": "A123",
            "orderReference": "or123",
            "subsite": "mySubsite"
        },
        "payer": {
            "payerReference": "AB1234",
        },
        "cardholder": {
            "firstName": "Olivia",
            "lastName": "Nyhuus",
            "email": "olivia.nyhuus@payex.com",
            "msisdn": "+4798765432",
            "homePhoneNumber": "+4787654321",
            "workPhoneNumber": "+4776543210",
            "shippingAddress": {
                "firstName": "Olivia",
                "lastName": "Nyhuus",
                "email": "olivia.nyhuus@payex.com",
                "msisdn": "+4798765432",
                "streetAddress": "Saltnestoppen 43",
                "coAddress": "",
                "city": "Saltnes",
                "zipCode": "1642",
                "countryCode": "NO"
            }, 
        },
        "riskIndicator": {
            "deliveryEmailAddress": "olivia.nyhuus@payex.com",
            "deliveryTimeFrameIndicator": "01",
            "preOrderDate": "19801231",
            "preOrderPurchaseIndicator": "01",
            "shipIndicator": "01",
            "giftCardPurchase": false,
            "reOrderPurchaseIndicator": "01",
            "pickUpAddress": {
                "name": "Olivia Nyhuus",
                "streetAddress": "Saltnestoppen 43",
                "coAddress": "",
                "city": "Saltnes",
                "zipCode": "1642",
                "countryCode": "NO"
            }
        }
    }
}

Show fields

Required	Field	Type	Description
	`payment`	`object`	The payment object
	`operation`	`string`	Determines the initial operation, defining the type of payment order created.
	`intent`	`string`	`Authorization`. Reserves the amount, and is followed by a `Cancel` or `Capture` of funds. `AutoCapture`. A one phase option that enables the `Capture` of funds automatically after authorization.
	`paymentToken`	`string`	If a `paymentToken` is included in the request, the card details stored in the `paymentToken` will be prefilled on the payment page. The payer still has to enter the `cvc` to complete the purchase. This is called a “One Click” purchase.
	`currency`	`string`	NOK, SEK, DKK, USD or EUR.
	`prices`	`array`	The `prices` resource lists the prices related to a specific payment.
	`type`	`string`	Use the value ``.See the `prices` resource for more information.
	`amount`	`integer`	The transaction amount (including VAT, if any) entered in the lowest monetary unit of the selected currency. E.g.: `10000` = `100.00` SEK, `5000` = `50.00` SEK.
	`vatAmount`	`integer`	The payment’s VAT (Value Added Tax) `amount`, entered in the lowest monetary unit of the selected currency. E.g.: `10000` = `100.00` SEK, `5000` = `50.00` SEK. The `vatAmount` entered will not affect the `amount` shown on the payment page, which only shows the total `amount`. This field is used to specify how much of the total `amount` the VAT will be. Set to `0` (zero) if there is no VAT `amount` charged.
	`description`	`string(40)`	A 40 character length textual description of the purchase.
	`generatePaymentToken`	`boolean`	`true` or `false`. Set this to `true` if you want to create a paymentToken for future use as One Click.
	`generateRecurrenceToken`	`boolean`	`true` or `false`. Set this to `true` if you want to create a recurrenceToken for future use Recurring purchases (subscription payments).
	`userAgent`	`string`	The user agent of the payer. Should typically be set to the value of the `User-Agent` header sent by the payer’s web browser.
	`language`	`string`	`sv-SE`, `nb-NO`, `da-DK`, `de-DE`, `ee-EE`, `en-US`, `es-ES`, `fr-FR`, `lv-LV`, `lt-LT`, `ru-RU` or `fi-FI`.
︎	`urls`	`object`	The object containing URLs relevant for the `payment`.
	`completeUrl`	`string`	The URL that Swedbank Pay will redirect back to when the payer has completed their interactions with the payment. This does not indicate a successful payment, only that it has reached a final (complete) state. A `GET` request needs to be performed on the payment to inspect it further. See `completeUrl` for details.
	`cancelUrl`	`string`	The URL to redirect the payer to if the payment is cancelled. Only used in redirect scenarios. Can not be used simultaneously with `paymentUrl`; only `cancelUrl` or `paymentUrl` can be used, not both.
	`paymentUrl`	`string`	The `paymentUrl` represents the URL that Swedbank Pay will redirect back to when the view-operation needs to be loaded, to inspect and act on the current status of the payment, such as when the payer is redirected out of the Seamless View (the `<iframe>`) and sent back after completing the payment. `paymentUrl` is only used in Seamless Views and should point to the page of where the Payment Order Seamless View is hosted. If both `cancelUrl` and `paymentUrl` is sent, the `paymentUrl` will used.
	`callbackUrl`	`string`	The URL that Swedbank Pay will perform an HTTP `POST` against every time a transaction is created on the payment. See callback for details.
	`logoUrl`	`string`	The URL that will be used for showing the customer logo. Must be a picture with maximum 50px height and 400px width. Requires HTTPS.
	`termsOfServiceUrl`	`string`	The URL to the terms of service document which the payer must accept in order to complete the payment. HTTPS is a requirement.
	`payeeInfo`	`object`	The `payeeInfo` object, containing information about the payee (the recipient of the money). See `payeeInfo` for details.
	`payeeId`	`string`	This is the unique id that identifies this payee (like merchant) set by Swedbank Pay.
	`payeeReference`	`string`	A unique reference from the merchant system. Set per operation to ensure an exactly-once delivery of a transactional operation. Length and content validation depends on whether the `transaction.number` or the `payeeReference` is sent to the acquirer. If Swedbank Pay handles the settlement, the `transaction.number` is sent and the `payeeReference` must be in the format of `A-Za-z0-9` and `string(50)`. If you handle the settlement, Swedbank Pay will send the `payeeReference` and it will be limited to the format of `string(12)`. All characters must be digits.
	`payeeName`	`string`	The payee name (like merchant name) that will be displayed when redirected to Swedbank Pay.
	`productCategory`	`string(50)`	A product category or number sent in from the payee/merchant. This is not validated by Swedbank Pay, but will be passed through the payment process and may be used in the settlement process.
	`orderReference`	`string(50)`	The order reference should reflect the order reference found in the merchant’s systems.
	`subsite`	`string(40)`	The `subsite` field can be used to perform a split settlement on the payment. The different `subsite` values must be resolved with Swedbank Pay reconciliation before being used. If you send in an unknown `subsite` value, it will be ignored and the payment will be settled using the merchant’s default settlement account. Must be in the format of `A-Za-z0-9`.
	`payer`	`string`	The `payer` object, containing information about the payer.
	`payerReference`	`string`	The reference to the payer from the merchant system, like e-mail address, mobile number, customer number etc. Mandatory if `generateRecurrenceToken`, `RecurrenceToken`, `generatePaymentToken` or `paymentToken` is `true`.
	`metadata`	`object`	A unique reference from the merchant system. Set per operation to ensure an exactly-once delivery of a transactional operation. Length and content validation depends on whether the `transaction.number` or the `payeeReference` is sent to the acquirer. If Swedbank Pay handles the settlement, the `transaction.number` is sent and the `payeeReference` must be in the format of `A-Za-z0-9` and `string(50)`. If you handle the settlement, Swedbank Pay will send the `payeeReference` and it will be limited to the format of `string(12)`. All characters must be digits.
	`cardholder`	`object`	Optional. Cardholder object that can hold information about a buyer (private or company). The information added increases the chance for frictionless flow and is related to 3-D Secure 2.0..
	`firstName`	`string`	Optional (increased chance for frictionless flow if set). If buyer is a company, use only `firstName`.
	`lastName`	`string`	Optional (increased chance for frictionless flow if set). If buyer is a company, use only `firstName`.
	`email`	`string`	Optional (increased chance for frictionless flow if set)
	`msisdn`	`string`	Optional (increased chance for frictionless flow if set)
	`homePhoneNumber`	`string`	Optional (increased chance for frictionless flow if set)
	`workPhoneNumber`	`string`	Optional (increased chance for frictionless flow if set)
	`shippingAddress`	`object`	Optional (increased chance for frictionless flow if set)
	`firstName`	`string`	Optional (increased chance for frictionless flow if set)
	`lastName`	`string`	Optional (increased chance for frictionless flow if set)
	`email`	`string`	Optional (increased chance for frictionless flow if set)
	`msisdn`	`string`	Optional (increased chance for frictionless flow if set)
	`streetAddress`	`string`	Optional (increased chance for frictionless flow if set)
	`coAddress`	`string`	Optional (increased chance for frictionless flow if set)
	`city`	`string`	Optional (increased chance for frictionless flow if set)
	`zipCode`	`string`	Optional (increased chance for frictionless flow if set)
	`countryCode`	`string`	Optional (increased chance for frictionless flow if set)
	`billingAddress`	`object`	Optional (increased chance for frictionless flow if set)
	`firstName`	`string`	Optional (increased chance for frictionless flow if set). If buyer is a company, use only `firstName`.
	`lastName`	`string`	Optional (increased chance for frictionless flow if set). If buyer is a company, use only `firstName`.
	`email`	`string`	Optional (increased chance for frictionless flow if set)
	`msisdn`	`string`	Optional (increased chance for frictionless flow if set)
	`streetAddress`	`string`	Optional (increased chance for frictionless flow if set)
	`coAddress`	`string`	Optional (increased chance for frictionless flow if set)
	`city`	`string`	Optional (increased chance for frictionless flow if set)
	`zipCode`	`string`	Optional (increased chance for frictionless flow if set)
	`countryCode`	`string`	Optional (increased chance for frictionless flow if set)
	`riskIndicator`	`array`	This optional object consist of information that helps verifying the payer. Providing these fields decreases the likelihood of having to prompt for 3-D Secure 2.0 authentication of the payer when they are authenticating the purchase.
	`deliveryEmailAdress`	`string`	For electronic delivery, the email address to which the merchandise was delivered. Providing this field when appropriate decreases the likelihood of a 3-D Secure authentication for the payer.
	`deliveryTimeFrameIndicator`	`string`	Indicates the merchandise delivery timeframe. `01` (Electronic Delivery) `02` (Same day shipping) `03` (Overnight shipping) `04` (Two-day or more shipping)
	`preOrderDate`	`string`	For a pre-ordered purchase. The expected date that the merchandise will be available. Format: `YYYYMMDD`
	`preOrderPurchaseIndicator`	`string`	Indicates whether the payer is placing an order for merchandise with a future availability or release date. `01` (Merchandise available) `02` (Future availability)
	`shipIndicator`	`string`	Indicates shipping method chosen for the transaction. `01` (Ship to cardholder’s billing address) `02` (Ship to another verified address on file with merchant) `03` (Ship to address that is different than cardholder’s billing address) `04` (Ship to Store / Pick-up at local store. Store address shall be populated in shipping address fields) `05` (Digital goods, includes online services, electronic giftcards and redemption codes) `06` (Travel and Event tickets, not shipped) `07` (Other, e.g. gaming, digital service)
	`giftCardPurchase`	`bool`	`true` if this is a purchase of a gift card.
	`reOrderPurchaseIndicator`	`string`	Indicates whether the cardholder is reordering previously purchased merchandise. `01` (First time ordered) `02` (Reordered).
	`pickUpAddress`	`object`	If `shipIndicator` set to `04`, then prefill this with the payers `pickUpAddress` of the purchase to decrease the risk factor of the purchase.
	`name`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `name` of the purchase to decrease the risk factor of the purchase.
	`streetAddress`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `streetAddress` of the purchase to decrease the risk factor of the purchase. Maximum 50 characters long.
	`coAddress`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `coAddress` of the purchase to decrease the risk factor of the purchase.
	`city`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `city` of the purchase to decrease the risk factor of the purchase.
	`zipCode`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `zipCode` of the purchase to decrease the risk factor of the purchase.
	`countryCode`	`string`	If `shipIndicator` set to `04`, then prefill this with the payers `countryCode` of the purchase to decrease the risk factor of the purchase.

Card Payment Response

Response

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HTTP/1.1 200 OK
Content-Type: application/json

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{
    "payment": {
        "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1",
        "number": 1234567890,
        "instrument": "CreditCard",
        "created": "2016-09-14T13:21:29.3182115Z",
        "updated": "2016-09-14T13:21:57.6627579Z",
        "state": "Ready",
        "operation": "Purchase",
        "intent": "Authorization",
        "currency": "SEK",
        "amount": 0,
        "remainingCaptureAmount": 1500,
        "remainingCancellationAmount": 1500,
        "remainingReversalAmount": 0,
        "description": "Test Purchase",
        "initiatingSystemUserAgent": "swedbankpay-sdk-dotnet/3.0.1",
        "userAgent": "Mozilla/5.0...",
        "language": "sv-SE",
        "prices": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/prices" },
        "transactions": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/transactions" },
        "authorizations": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/authorizations" },
        "captures": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/captures" },
        "reversals": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/reversals" },
        "cancellations": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/cancellations" },
        "urls": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/urls" },
        "payeeInfo": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/payeeInfo" },
        "payers": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/payers" },
        "settings": { "id": "/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/settings" }
    },
    "operations": [
        {
            "rel": "update-payment-abort",
            "href": "https://api.externalintegration.payex.com/psp/creditcard/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1",
            "method": "PATCH",
            "contentType": "application/json"
        },
        {
            "rel": "redirect-authorization",
            "href": "https://ecom.externalintegration.payex.com/creditcard/payments/authorize/5a17c24e-d459-4567-bbad-aa0f17a76119",
            "method": "GET",
            "contentType": "text/html"
        },
        {
            "rel": "view-authorization",
            "href": "https://ecom.externalintegration.payex.com/creditcard/core/scripts/client/px.creditcard.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119",
            "method": "GET",
            "contentType": "application/javascript"
        },
        {
            "rel": "view-payment",
            "href": "https://ecom.externalintegration.payex.com/creditcard/core/scripts/client/px.creditcard.client.js?token=5a17c24e-d459-4567-bbad-aa0f17a76119",
            "method": "GET",
            "contentType": "application/javascript"
        },
        {
            "rel": "direct-authorization",
            "href": "https://api.externalintegration.payex.com/psp/creditcard/confined/payments/7e6cdfc3-1276-44e9-9992-7cf4419750e1/authorizations",
            "method": "POST",
            "contentType": "application/json"
        }
    ]
}

Show fields

Field	Type	Description
`payment`	`object`	The `payment` object contains information about the specific payment.
`id`	`string`	The relative URL and unique identifier of the `payment` resource . Please read about URL Usage to understand how this and other URLs should be used in your solution.
`number`	`integer`	The payment `number`, useful when there’s need to reference the payment in human communication. Not usable for programmatic identification of the payment, where `id` should be used instead.
`created`	`string`	The ISO-8601 date of when the payment was created.
`updated`	`string`	The ISO-8601 date of when the payment was updated.
`state`	`string`	`Ready`, `Pending`, `Failed` or `Aborted`. Indicates the state of the payment, not the state of any transactions performed on the payment. To find the state of the payment’s transactions (such as a successful authorization), see the `transactions` resource or the different specialized type-specific resources such as `authorizations` or `sales`.
`prices`	`object`	The `prices` resource lists the prices related to a specific payment.
`id`	`string`	The relative URL and unique identifier of the `prices` resource . Please read about URL Usage to understand how this and other URLs should be used in your solution.
`amount`	`integer`	The transaction amount (including VAT, if any) entered in the lowest monetary unit of the selected currency. E.g.: `10000` = `100.00` SEK, `5000` = `50.00` SEK.
`remainingCaptureAmount`	`integer`	The available amount to capture.
`remainingCancelAmount`	`integer`	The available amount to cancel.
`remainingReversalAmount`	`integer`	The available amount to reverse.
`description`	`string(40)`	A 40 character length textual description of the purchase.
`userAgent`	`string`	The user agent of the payer. Should typically be set to the value of the `User-Agent` header sent by the payer’s web browser.
`language`	`string`	`sv-SE`, `nb-NO`, `da-DK`, `de-DE`, `ee-EE`, `en-US`, `es-ES`, `fr-FR`, `lv-LV`, `lt-LT`, `ru-RU` or `fi-FI`.
`urls`	`string`	The URL to the urls resource where all URLs related to the payment can be retrieved.
`payeeInfo`	`object`	The `payeeInfo` object, containing information about the payee (the recipient of the money). See `payeeInfo` for details.
`payers`	`string`	The URL to the `payer` resource where the information about the payer can be retrieved.
`operations`	`array`	The array of operations that are possible to perform on the payment in its current state.
`method`	`string`	The HTTP method to use when performing the operation.
`href`	`string`	The target URL to perform the operation against.
`rel`	`string`	The name of the relation the operation has to the current resource.

When you receive the redirect url from Swedbank Pay, you redirect the payer there to complete the payment. This ensures that card details and other personal information is entered in a secure environment. Swedbank Pay handles all authentication during this phase.

After an attempted payment, Swedbank Pay will redirect the Payer to one of two specified URLs: completeUrl or cancelUrl.

If the payer cancels at any point, the payer will be redirected to the cancelUrl. If the payment is followed through completely the payer will reach the completeUrl.

Important: Both successful and rejected payments are labeled as completed.

This means that when you reach this point, you need to make sure that the payment has gone through before you let the payer know that the payment was successful. You do this by doing a GET request. This request has to include the payment Id generated from the initial POST request, so that you can receive the state of the transaction.

If you have chosen Seamless View, the completeUrl and cancelUrl will display directly inside the iframe.

How It Looks

screenshot of the redirect card payment page

Transactions in the currency SEK might look like this, with a debit/credit selection available:

screenshot of the swedish redirect card payment page

Sequence Diagram

sequenceDiagram
    participant Payer
    participant Merchant
    participant SwedbankPay as Swedbank Pay

    activate Payer
    Payer->>-Merchant: start purchase
    activate Merchant
    Merchant->>-SwedbankPay: POST /psp/creditcard/payments
    activate SwedbankPay
    note left of Payer: First API request
    SwedbankPay-->>-Merchant: rel: redirect-authorization ①
    activate Merchant
    Merchant-->>-Payer: Redirect to authorization page
    activate Payer
    Payer->>-SwedbankPay: Access authorization page
    activate SwedbankPay
    note left of Payer: redirect to SwedbankPay ②
    SwedbankPay-->>-Payer: Display purchase information
    activate Payer
    Payer->>Payer: Input creditcard information ③
    Payer->>-SwedbankPay: Submit creditcard information

        opt If 3-D Secure required
        note left of Payer: Authentication Challenge ④
        SwedbankPay-->>Payer: Redirect to IssuingBank
        activate Payer
        Payer->>-IssuingBank: 3-D Secure authentication process
        activate IssuingBank
        IssuingBank-->>-Payer: 3-D Secure authentication process response
        activate Payer
        Payer->>-SwedbankPay: Access authentication page
        activate SwedbankPay
        end

    SwedbankPay-->>-Payer: Redirect to CompleteUrl ⑤
    activate Payer
    Payer->>-Merchant: Access CompleteUrl

        alt Callback is set
        activate SwedbankPay
        SwedbankPay->>SwedbankPay: Payment is updated
        SwedbankPay->>-Merchant: POST Payment Callback
        end

    activate Merchant
    Merchant->>-SwedbankPay: GET <payment.id> ⑥
    activate SwedbankPay
    note left of Payer: Second API request
    SwedbankPay-->>-Merchant: Payment result
    activate Merchant
    Merchant-->>-Payer: Display purchase result

Explanations

① rel: redirect-authorization is the name of one of the operations, sent as a response from Swedbank Pay to the Merchant. The href in this operation is the redirect URL to a Swedbank Pay payment page.
② The payer is redirected to a secure Swedbank Pay hosted page
③ The payment window is presented and the payer can enter card information for authorization.
④ If needed, the payer must go through an authorization challenge to verify his or hers identity.
⑤ The Payer reaches the CompleteUrl which you defined in the initial POST request. Please note that both a successful and rejected payment reach completion, in contrast to a cancelled payment.
⑥ Send a GET request with the paymentId to check the state of the transaction. Click the link for a complete list of payment and transaction states.

3-D Secure

No 3-D Secure and card acceptance: There are optional parameters which can be used in relation to 3-D Secure and card acceptance. Most acquiring agreements will demand that you use 3-D Secure for card holder authentication. However, if your agreement allows you to make a card payment without this authentication, or that specific cards can be declined, you may adjust these optional parameters when posting in the payment.

Swedbank Pay will handle 3-D Secure authentication when this is required. When dealing with card payments, 3-D Secure authentication of the cardholder is an essential topic. There are two alternative outcomes of a credit card payment:

3-D Secure enabled - by default, 3-D Secure should be enabled, and Swedbank Pay will check if the card is enrolled with 3-D Secure. This depends on the issuer of the card. If the card is not enrolled with 3-D Secure, no authentication of the cardholder is done.
Card supports 3-D Secure - if the card is enrolled with 3-D Secure, Swedbank Pay will redirect the cardholder to the autentication mechanism that is decided by the issuing bank. Normally this will be done using BankID or Mobile BankID.