An APPROVE with STEP-UP decision means Tokenization is pending.
The End User must complete an ID&V method. This activates the digital card.
Use this page when the End User does not complete the step.
The End User might not complete the step-up flow.
Common reasons include:
They do not recognize the request.
They abandon the flow.
They do not have access to the chosen channel (email/SMS).
To reduce drop-off, D1 supports End User notifications.
After a configured delay, D1 can send email or SMS reminders.
These reminders prompt the End User to complete ID&V.
This completes Tokenization.
Configure the reminder delay and maximum number of messages during D1 onboarding. Contact the Thales delivery team to enable it.
Sequence diagram:
If the End User takes no action, D1 sends the first notification 24 hours after it returns the Tokenization response to the payment network TSP.
You can configure this delay during D1 onboarding.
The system cannot wait indefinitely for the End User to complete ID&V.
In D1, you configure a session length for step-up Tokenization.
When the session expires, D1 deletes the inactive digital card.
It does this through the payment network TSP.
For example, set the session length to 30 days.
This aligns with xPay Wallets requirements.
Last updated 4 months ago
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