3D Secure Authentication
Protect Every Online Transaction
Combat fraud and deliver a seamless shopping experience with Paymentology’s advanced 3DS solution.
3D Secure (3DS) is a globally recognised protocol that verifies cardholder identity before completing an online transaction. Trusted worldwide by Visa (Verified by Visa), Mastercard (SecureCode), and American Express (SafeKey), 3DS ensures secure, frictionless ecommerce.
It protects issuers, merchants, and customers from fraud while meeting global security standards. This includes compliance with PSD2’s Strong Customer Authentication (SCA) in the EU.
How 3DS protects online payments
Stop fraud in its tracks with Paymentology’s multi-layered authentication and real-time verification, keeping every transaction secure and seamless.
Multi-Layered Authentication
Cardholders verify their identity using a combination of methods, including One-Time Passwords (OTP) for quick and secure confirmation, biometrics like fingerprints or facial recognition for added protection, and risk-based authentication to ensure trusted, low-risk transactions flow smoothly.
Frictionless Customer Experience
With 3DS 2.0, trusted transactions pass through seamlessly, reducing friction and cart abandonment.
Real-Time Transaction Validation
Issuers and merchants collaborate instantly to verify payments, stopping fraud before it happens.
Why 3DS matters for issuers and customers
Deliver security, reduce fraud, and build trust at every step of the payment journey.
3DS creates a safer, smoother online payment experience for both issuers and customers, combining fraud prevention with customer satisfaction.
For issuers
For customers
How Paymentology supports issuers
A powerful 3DS platform designed for security, simplicity, and compliance.
Paymentology empowers issuers to deliver secure, compliant, and frictionless payment experiences:
Customisable Authentication
Tailor OTPs, biometrics, and risk-based methods to fit customer needs.
Frictionless Experience
Enable smooth, secure payments across all devices with 3DS 2.0.
Real-Time Risk Management
Use powerful analytics to detect fraud instantly and monitor behaviour patterns.
Seamless Integration
Simplify onboarding with flexible APIs for fast implementation.
Global Compliance
Meet industry standards like PCI DSS and PSD2 effortlessly.
Benefits at a glance
Reduced fraud risk
Block unauthorised transactions instantly.
Seamless experience
Frictionless transactions across all platforms and devices.
Regulatory compliance
Align with PCI DSS and PSD2 standards with ease.
Customer trust
Deliver reliable, secure payments to build lasting confidence.
Elevate your expertise with The Paymentology Issuer Academy
Discover Paymentology’s Issuer Academy, a comprehensive resource offering practical insights, expert guidance, and actionable knowledge. From onboarding to optimising your card programmes, we support your journey toward payment innovation.

Experience our platform first-hand
See Paymentology in action with our self-service demo. Explore the full potential of our platform and discover how it can transform your card-issuing processes.

Developer portal
Dive into the technical side of Paymentology with our comprehensive developer portal. Access detailed documentation, APIs and tools to ensure straightforward integration for your card programmes.
Protect every online transaction
Paymentology’s 3DS solution reduces fraud and ensures secure, seamless payment experiences your customers will trust.
