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In general, the single most time-intensive step of the process is Device Data Collection (DDC). This is largely down to the presence of a MethodURLMethod URL. MethodURL Method URL is a tool that allows the card issuer to gather data on the transaction to facilitate risk-based authentication. The benefits of MethodURL Method URL are significant, including higher success and much lower challenge rates. This is balanced against an increased time cost incurred: when a MethodURL Method URL is present, a DDC call may take up to ten seconds to complete depending on the card issuer. Nevertheless, the benefits of MethodURL Method URL make it worth accommodating in your implementation.
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The FIDO registration check can only be started once a PAN is entered (or selected if already stored). This will usually be at some point in the order finalization process. We suggest that the DDC call be run as soon as the registration check is complete.
The DDC call and the Transact request do not need to be completed in order, but the difference in processing time between the two calls means that the DDC request should generally be made first. Both calls must complete before moving to the CMPI lookup.
We recommend calling the Transact request be made when the customer finalizes their transaction, usually when a “Buy Now” or “Checkout” button is pressed.
In an ideal situation, the DDC request would be made on completion of the Registration check, and the Transact request would begin after the DDC call is complete.
If the issuer’s MethodURL Method URL is slow to respond, the transact call can begin before the DDC response is received.
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