Initiation: The cardholder, as the retail customer, initiates an online payment transaction on a merchant's website or e‑commerce application.

Payment Selection: The cardholder selects MyDebit as the payment method and enters their card details.

Routing via MyDebit Secure: The transaction is routed through MyDebit Secure to the cardholder's issuing bank's Access Control Server (ACS) for authentication and authorization.

Authentication (3D Secure): If the transaction requires strong authentication, the cardholder may be prompted to complete a 3D Secure verification step (e.g., entering an OTP or approving via a mobile app).

Authorization: The issuing bank verifies the transaction and authenticates the cardholder before approving or declining the payment.

Confirmation: Upon successful authorization, the payment is completed, and both the cardholder and merchant receive immediate confirmation.

💡 Pro tip: Ask customers to enable banking‑app notifications—this speeds up OTP/approval in Step 4 and reduces checkout friction.