====== PHP XML Payments with 3D Secure ======
In this section, you can find sample code for the **3D Secure** redirect before the payment.
Once you receive the response to the "MPI Receipt URL" you will have an MPIREF parameter.
You should then process a payment and include that parameter. The sample code for the **XML payment stage** is [[developer:sample_codes:php_xml_payments|here]].
You should also use this [[developer:integration_docs:testing-guide|Testing Guide]] that also contains test card details.
**Settings file (%gatewaySampleFileName_account.inc):**
----
\\
**3D Secure redirect (%gatewaySampleFileName_payment.php):**
Submitting order to %Gateway for Payment...