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The system provides a Universal 3-D Secure solution that lets you integrate secure customer authentication (SCA) with various levels of complexity. The 3-D Secure automatically handles 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.
  • External 3-D Secure data can be passed in to create a card checkout experience including a custom 3-D Secure integration.