3D Secure

About 3D Secure

3D Secure is an authentication protocol for online credit and debit card payments. It provides an extra layer of security and prevents fraud-related chargebacks. After entering their credit card details, customers are redirected to the card scheme to verify their identity, before completing payment.

The major credit card schemes each offer their own branded version of 3D Secure:

  • American …
Versions of 3D Secure

We are working on supporting 3DS 2.0 and we expect to rollout the support in 2021. In the meantime, transactions use 3DS 1.0 and are fully PSD2 compliant.

3DS 2.0 aims to provide better security and greater customer experience than its predecessor. This is achieved through the collection of more contextual data from the customer. The contextual data is used ‘behind-the-scenes’ to …

Dynamic 3D Secure

3D Secure is enabled by default for all credit card payments.

Dynamic 3D Secure lets you set rules to disable 3D Secure authentication for certain credit card payments, e.g. based on:

  • Transaction amount
  • Country, e.g. card country, IP country, customer country

The most common reason for disabling 3D Secure is if you have lots of customers outside Europe who don’t have access to it. …


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