3D Secure
Add stronger authentication without turning checkout into an obstacle.
- How it works
How 3D Secure works.
01
Customer Starts Checkout
Customer enters payment information.
02
Transaction Data Is Evaluated
The authentication flow evaluates transaction and cardholder context.
03
Authenticate When Needed
Lower-risk transactions may move through with less friction, while higher-risk transactions may require an additional cardholder challenge.
04
Continue to Authorization
The authenticated transaction proceeds to payment authorization.
How we work with you
A payments relationship built around your business.
Understand your business
We start with your business model, customers and payments needs.
Explore your options
We help you evaluate payment methods, technology and processing options for your business.
Support your launch
Our team helps guide you through application, onboarding and implementation.
Stay involved
We provide ongoing support as your business and payment needs evolve.
- Where this fits
Where 3D Secure matters most.
Ecommerce
International Commerce
Card-Not-Present
Higher-Risk Ecommerce
Higher-Value Online Transactions
Digital Services
- Our purpose
Authentication is one signal, not the entire fraud strategy.
3D Secure
Fraud Screening
Tokenization
Transaction Monitoring
Related solutions
More capabilities that connect to chargeback protection.
The bigger picture
Protect is what happens around every transaction.
Accept
Protect
Grow
Operate
- FAQ
Dashboard & reporting questions.
An authentication protocol that adds a cardholder verification layer to eligible online transactions.
No — modern, risk-based 3D Secure can allow lower-risk transactions to proceed with less friction while challenging higher-risk ones.
No. It's one layer of a broader fraud and risk strategy, not a complete solution on its own.
It can help reduce certain types of disputes tied to unauthorized use, though it does not eliminate all chargeback risk.
Contact our team to review whether liability-shift provisions apply to your transactions. Authentication does not guarantee protection from every dispute or chargeback.
Requirements depend on the markets and transactions involved. Share your business location and customer markets so our team can review the appropriate authentication setup.
Share your subscription and recurring-payment workflow with our team so we can confirm how 3D Secure applies to your setup.
Yes — 3D Secure is available as part of a broader risk strategy for qualifying high-risk merchants.