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3D Secure
Authentication

Stop unauthorised payments before they complete.

3D Secure (3DS) is the globally recognised protocol that verifies cardholder identity at the point of online purchase before the transaction goes through. Trusted by Visa, Mastercard, and American Express, it secures ecommerce and is fully compliant with PSD2 Strong Customer Authentication (SCA).

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How 3DS is implemented at Paymentology

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Multi-Layered Authentication

Using One-Time Password (OTP), biometrics (fingerprint or facial recognition), or risk-based authentication for low-risk transactions, cardholders verify their identity before the transaction completes.

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Risk-based decision making

Not every transaction needs verification. 3D Secure 2.0 evaluates risk in real-time using contextual data such as the type of device, its location, behaviour patterns, and only steps in when the risk profile warrants it. This leads to lower friction for your cardholders. Fewer false declines. Fewer chargebacks.

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Real-Time Transaction Validation

Issuers and merchants share data instantly at the point of purchase to verify payments and flag anomalies before they complete.

Why 3DS matters 

For issuers

Reduce fraud losses before they reach your bottom line

Meet PCI-DSS and PSD2 SCA compliance requirements

Monitor and act on fraud patterns in real-time

For cardholders

A clear, trusted verification step. They know, their card is protected

Fewer false declines on legitimate purchases

Consistent experience wherever they shop, offline and online

How Paymentology supports issuers

Our powerful 3DS platform is designed for security, simplicity, and compliance.
It empowers issuers to deliver secure, compliant, and frictionless payment experiences:

Customisable Authentication

Configure OTPs, biometrics, and risk-based methods to match your cardholders’ needs and your programme’s risk assessments.

3D Secure 2.0

Trusted transactions pass through without interruption. Higher-risk transactions trigger a verification step.

Real-Time Risk Management

 Monitor behaviour patterns across your programme. Act before losses occur.

Flexible API integration

Straightforward onboarding via flexible APIs. Fast to implement, built to scale.


Global Compliance

PCI-DSS and PSD2 SCA compliant. One integration covers the standards that matter in every market you operate in.

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