b.connect

b.connect is a coalition of French banking groups that bases the authentication mechanism on

• The cardholder’s identity.
• Their device used for making payments.

During the checkout process, b.connect sends a token to your server that you must send to our platform. By matching the token’s data with the cardholder data at the issuer’s side (i.e., the technical data of the device used, cardholder name, e-mail address), b.connect ensures the legitimate use of the card.

By integrating b.connect into the 3-D Secure ecosystem, the authentication process becomes a background process and thereby

• Smooths out your customers’ checkout process.
• Improves your conversion rate.

Process flows

1. Your customers enrol for b.connect via their banking app, linking their device's technical data to their bank profile.
2. You add the b.connect button on your checkout page according to the b.connect documentation.
3. Your customers finalise an order in your shop and click on the b.connect button.
4. b.connect retrieves the authentication data from your customers' issuer. It authenticates your customers' identity either via a frictionless or challenge authentication flow.
5. The b.connect platform returns a CICO (check-in, check-out) token to your server, confirming the successful authentication.
6. Your customers provide their card details on your checkout page (for Server-to-server) or the Hosted Checkout Page.
7. You send this CreateHostedCheckout/CreatePayment request to our platform, including the CICO token (order.customer.account.data) and some additional b.connect-specific properties.
8. We send the token and the payment data to the 3-D Secure network.
9. The 3-D Secure network matches the token/payment data with the data on the issuer's side.
10. We receive the 3-D Secure authentication result.
11. We process the transaction and receive the result from the acquirer.
12. You request the transaction result from our platform via GetPaymentDetails/GetHostedCheckout or receive the result via webhooks.

Integration

Make sure to add a b.connect button to your checkout page as described in the b.connect documentation.

Add the following properties to a standard CreateHostedCheckout/CreatePayment request:

Depending on the integration method, differences apply. Find an example for all in the "Testing" chapter.

Testing

Add the following properties to a standard CreateHostedCheckout/CreatePayment request:

Use one of the Cartes Bancaires test cards producing a 3-D Secure frictionless flow from our test cases.

{
  "cardPaymentMethodSpecificInput": {
	"paymentProduct130SpecificInput": {
		"threeDSecure": {
			"usecase": "xxx",
		}
	}
  },
  "order": {
    "amountOfMoney": {
      "amount": 100,
      "currencyCode": "EUR"
    },
    "customer": {
		"account": {
			"data": " cico-b-connect-token ",
			"method": " cico-b-connect-token",
			"timestamp": " 202508231101",
		}
    }
  }
}

{
  "cardPaymentMethodSpecificInput": {
    "card": {
      "cardNumber": "4150557357382737",
      "cardholderName": "John Doe",
      "cvv": "123",
      "expiryDate": "1236"
    },
    "paymentProduct130SpecificInput": {
      "threeDSecure": {
        "usecase": "fixed-amount-term-subscription"
      }
    },
    "paymentProductId": 130,
    "threeDSecure": {
      "challengeCanvasSize": "",
      "redirectionData": {
        "returnUrl": "https://yourRedirectionUrl.com"
      },
      "skipAuthentication": false
    }
  },
  "order": {
    "amountOfMoney": {
      "amount": 1000,
      "currencyCode": "EUR"
    },
    "customer": {
      "account": {
        "authentication": {
          "data": "xxx",
          "method": "cico-b-connect-token",
          "utcTimestamp": "202508231101"
        }
      },
      "accountType": "04",
      "billingAddress": {
        "city": "Tours",
        "countryCode": "FR",
        "houseNumber": "*2",
        "state": "37",
        "street": "*26",
        "zip": "*5"
      },
      "device": {
        "acceptHeader": "application/json",
        "browserData": {
          "colorDepth": 48,
          "javaEnabled": false,
          "screenHeight": "800",
          "screenWidth": "600"
        },
        "locale": "us_EN",
        "timezoneOffsetUtcMinutes": "-60",
        "userAgent": "Mozilla/5.0 (Windows NT 6.1; Win64; x64) AppleWebKit/537.36 (KHTML, like Gecko) Chrome/67.0.3396.99 Safari/537.36"
      }
    },
    "references": {
      "merchantReference": "merchant-reference"
    }
  }
}