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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

Reduce financial losses
Stop fraudulent transactions before they impact your bottom line.
Meet global compliance standards
Align effortlessly with PCI DSS and PSD2 mandates.
Gain proactive control
Monitor and block fraud risks in real-time for ultimate protection.

For customers

Shop with confidence
Enjoy peace of mind knowing their online payments are secure.
Enjoy seamless transactions
Frictionless shopping with minimal interruptions or delays.
Trust their data is safe
Depend on secure payments that protect sensitive information.

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:

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Customisable Authentication

Tailor OTPs, biometrics, and risk-based methods to fit customer needs.

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Frictionless Experience

Enable smooth, secure payments across all devices with 3DS 2.0.

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Real-Time Risk Management

Use powerful analytics to detect fraud instantly and monitor behaviour patterns.

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Seamless Integration

Simplify onboarding with flexible APIs for fast implementation.

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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.

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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.

Try the demo
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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.

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Protect every online transaction 

Paymentology’s 3DS solution reduces fraud and ensures secure, seamless payment experiences your customers will trust.

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