This is a method in which a client's bank card data (e.g., card number, expiration date, cardholder's name) is stored for future use. This process is typically implemented for the user's convenience, so they don't have to re-enter their card details for each payment, as well as for conducting transactions using the card token.
When using this method, 3ds is required, therefore it is necessary to make a request to the ACS server of the card issuer bank.3D Secure (3DS) is an authentication technology to protect against unauthorized use of cards. It allows for verifying the cardholder’s identity before the payment is processed.The authentication process works as follows: after entering the card details, the issuer’s website opens, prompting the cardholder to enter a password or secret code. The code is usually sent via SMS. If the code is entered correctly, the payment is authorized; if not, the transaction is declined.3D Secure is available only for cards issued by banks that support this technology. Payments without 3D Secure are considered less secure.
