3-D Secure

The system provides flexible 3-D Secure integration options that let you choose the approach best suited for your use case. Each method handles secure customer authentication (SCA) with varying levels of control and customization.

Most integrations automatically handle the device fingerprinting, card enrollment checks, authentication, challenge, and other 3DS nuances.

Additionally, the system supports Dynamic 3-D Secure, allowing you to dynamically skip or force 3-D Secure based on anti-fraud decisions, cart items, or any other transaction-level data.

The flexible solution offers the following 3-D Secure integration methods.

• Embed automatically detects 3-D Secure for a transaction and handles all the user interactions to complete the transaction.
• Hosted 3DS offers 3-D Secure via the API, allowing capture of card data that then relies on the hosted 3-D Secure to handle the user interaction. This can also be used in combination with Secure Fields.
• Native 3DS provides a fully customizable 3-D Secure experience built directly into your app. Available for web (Secure Fields), iOS (Swift), and Android (Kotlin). Requires merchant account-level 3DS configuration.
• External 3-D Secure data can be passed in to create a card checkout experience including a custom 3-D Secure integration.