====== 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. Just to note though that 3D Secure is not supported by our test host, so you might skip this until the live account is set up.
**Settings file (nuvei_account.inc):**
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\\
**3D Secure redirect (nuvei_payment.php):**
Submitting order to Nuvei for Payment...