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This method introduces an extra layer of security. You’ll initiate the user’s fund deposit, which is then followed by an additional confirmation step. You’ll need this confirmation once you receive specific account details about the user from Luxon.

By employing this method, you can ensure the correct association of a Luxon account with a specific user on your platform and verify the user’s KYC (Know Your Customer) information through Luxon.

To activate the Two-Step Transaction feature, you must provide a ConfirmationCallbackURL.

The response to the first request will be in a state of ‘PENDING’ until a response is received to the webhook sent to the confirmationCallbackURL provided by you..

If PROCEED is returned, authentication is processed as usual. If DECLINE is returned, authentication has FAILED and the transaction is REJECTED. Other action values will result in an error.

Please refer to the webhook page here for details on how to retrieve a transaction status.

Request Parameters & Format

Refer to the documentation for Simple Payments.

Response Parameters & Format

Use the parameters and format specified under Simple Payments.

Example Requests & Responses

For samples, please consult the Simple Payments section.

If the two-step transaction process is enabled (indicated by the presence of the ConfirmationCallbackURL) following user login, a callback will be triggered with the below request body structure:

"transactionId": "string",
"merchantTransactionId": "string",
"merchantUserId": "string",
"userWallet": "string",
"date": "string",
"comment": "string",
"amount": number,
"type": "string",
"fee": number,
"status": {
	"code": "string",
	"message": "string"
"user": {
	"firstName": "string",
	"lastName": "string",
	"dateOfBirth": "string",
	"phone": "string",
	"email": "string",
	"address": "string",
	"country": "string"

If the response body is absent or the status code isn’t successful, the transaction will be canceled, triggering the exception: “merchant.two.step.transaction.verification.failed”.

Expected response structure: