3DS
Meet PSD2 and Strong Customer Authentication requirements without sacrificing conversion. Our 3-D Secure implementation authenticates cardholders in real time, reducing fraud and chargebacks while keeping checkout friction low.
EMV 3DS 2.x support
Full support for the latest 3-D Secure specification, including risk-based frictionless flows.
Regulatory compliance
Built to meet PSD2 SCA requirements and card network authentication mandates across regions.
Adaptive risk scoring
Route low-risk transactions through frictionless authentication, reserving challenge flows for higher-risk cases.
Fraud & chargeback reduction
Shift liability and cut fraud losses with authenticated transactions backed by network protections.
How it works
- 1
A transaction triggers the 3DS authentication flow at checkout.
- 2
Risk signals are evaluated to determine frictionless or challenge authentication.
- 3
The cardholder is authenticated where required, and the result is passed back to the merchant.
- 4
Authenticated transactions proceed to authorization with liability protection.
Related use cases
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