Enterprise Payment Solutions

3D Secure Authentication

3D Secure Authentication

Advanced 3D Secure authentication that meets Strong Customer Authentication (SCA) requirements reducing online fraud.

3D Secure Authentication Flow

Experience seamless authentication with biometric verification and advanced security protocols.

Liability Shift

Transfer chargeback liability to the issuer with successful authentication

Optimized Conversion

Intelligent routing to maximize approval rates and minimize friction

Frictionless Flow

Up to 95% of transactions processed without customer interaction

Global Coverage

Worldwide 3DS support with regional compliance requirements

How it works

3D Secure payment transaction processing is also known as a payer authentication by which a security protocol helps to minimise online fraud. This security feature is supported by payment schemes, such as Visa, Mastercard and Discover, as well as smaller networks. 3D Secure Authentication is branded as Visa Secure, Mastercard Identity Check and Discover ProtectBuy respectively. Visa Secure / Cardinal is our preferred 3D Secure service provider. Cardinal provides a real-time 3D Secure enrolment and authentication service called Realtime Data eXchange (RDX). An implementation of 3D Secure Authentication ensures that our clients‘ cardholders are successfully enrolled and authenticated using 3D Secure processing capabilities.

3D Secure 2.0 Features

Enhanced User Experience

  • Biometric Authentication
    Support for fingerprint, face recognition, and voice authentication

  • Mobile-Optimized
    Native mobile app integration with seamless UX

  • Rich Data Exchange
    Over 100 data elements for better risk assessment
  • Frictionless Authentication
    Background authentication without customer interruption

Advanced Security

  • EMV 3DS Protocol
    Latest EMVCo 3D Secure specification compliance

  • Risk-Based Authentication
    Intelligent risk scoring for authentication decisions

  • SCA Compliance
    Full PSD2 Strong Customer Authentication compliance

  • Exemption Management
    Automatic handling of SCA exemptions and whitelisting

Authentication Methods

Performance Results

99.9%

Uptime

Service availability and reliability

<2s

Authentication Time

Average time for 3DS authentication process

-60%

Chargeback Reduction

Decrease in fraud-related chargebacks

95%

Frictionless Rate

Transfer chargeback liability to the issuer with successful authentication

API & Integration Capabilities

3DS Server API

RESTful API for 3D Secure authentication


POST /3ds/v2/authenticate
Content-Type: application/json

{
  "card_number": "4111111111111111",
  "amount": 1000,
  "currency": "USD",
  "merchant_id": "12345",
  "browser_info": {
    "user_agent": "Mozilla/5.0...",
    "accept_header": "text/html,..."
  }
}

SDK Integration

Mobile and web SDKs for seamless integration

  • OS SDK with biometric support
  • Android SDK with fingerprint auth
  • JavaScript SDK for web
  • React Native support
  • Webhook notifications
  • Comprehensive documentation

Ideal For

Pricing

Advanced Volume Tiers (Minimum Monthly Volume) Preis pro Transaktion
0 + 0,045 €
250 000 + 0,037 €
500 000 + 0,032 €
1 000 000 + 0,029 €
2 500 000 + 0,025 €
5 000 000 + 0,021 €

Frequently Asked Questions

It provides SCA compliance where required, liability shift on authenticated transactions, and frictionless flows (no challenge when risk is low) to protect conversion.

Frictionless, step‑up challenges, and device‑friendly methods including biometrics, OTP via SMS/email/app, and push approval.

3DS is built into the payments stack with risk signals, exemptions, and RBA, so you can minimize friction while meeting issuer/SCA policy.

Ready to Transform Your Payment Processing?

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