When creating a payment that has 3DS enabled, in order to know if it requires a challenge or not, you'll need to consume the complete payment endpoint.
After getting the customer session information with Yuno's SDK, you'll need to send us that id in order to verify the transaction. If the transaction does not need a challenge, we'll continue with the payment, but if it does, we'll return a
redirect_url for you to redirect your customer to the bank environment and complete the challenge. Once the challenge is completed, the user will be returned to the callback_url set on the payment and we'll send you a webhook to notify the result of it and the final status of the payment.