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Update payments-api-overview.mdx
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bc-traciporter authored Jan 4, 2024
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Expand Up @@ -21,7 +21,7 @@ Learn more about BigCommerce API [OAuth scopes](/docs/start/authentication/api-a

<Callout type="info">
#### Implementation note
3D Secure is a storefront-based experience that requires the shopper's interaction to authenticate the transaction. Because requests to our Payments API must be initiated in a server-to-server context rather than from the storefront, you must save any 3D secure-enabled card during a shopper-initiated transaction and then charge it as a stored payment instrument. Attempts to process any payment requiring 3D Secure verification using a card you have not previously saved will be unsuccessful.
3D Secure is a storefront-based experience that requires the shopper's interaction to authenticate the transaction. Because requests to our Payments API must be initiated in a server-to-server context rather than from the storefront, any 3D Secure-enabled card must first be saved during a shopper-initiated transaction and then charged as a stored payment instrument. Attempts to process any payment that requires 3D Secure verification using a card that has not been previously saved will be unsuccessful.
</Callout>

You can process payments charged to either of two main forms of payment: [stored payment instruments](#stored-cards-and-paypal-accounts) or [new cards](#credit-cards), which weren't previously saved. The API flow does not currently support hosted, offsite, or wallet-type providers, such as Amazon Pay.
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