1. The customer selects the product or service on the store web site.
2. The customer confirmed the order.
3. The order is generated on the store server.
4. The customer clicked the "Pay" button.
5. The store server receives an order for payment.
6. The information  is sent to the Assist system.
7. IPS Assist requested MPI if the card is involved in 3DS verification.
8. The response about the required 3DS.
9. If 3DS is necessary,, IPS Assist returns the url of the page for entering the code from SMS to the store server. 
10. The page for entering the code from SMS is shown for the customer.
11. The customer enters the received code.
12. The code is verified on the ACS server (domain of the issuing bank), the verification result is returned to the store’s server.
13. The store server returns the result to the server of the IPS Assist.
14. IPS Assist carries out authorization (payment) in the acquiring bank.
15. The implementation of an interbank transaction.
16. The acquiring bank returns the payment result.
17. Assist returns the payment result to the store server.
18. The payment result is displayed on the store website.
19. Assist sends fiscal data to the store server.
20. Assist sends an electronic cheque to the customer via Email and / or SMS.

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