Next-Generation Fraud Prevention

Explore the Benefits of 3D Secure 2

What is 3D Secure 2?
Credit card authentication, but better!
3D Secure 2 (3DS2) is the new authentication protocol for online card payments. 3DS2 is designed to improve upon 3D Secure 1 (3DS1) by addressing the old protocol's pain points, and delivering a much smoother and integrated user experience. Registration of card and password is not required by the cardholder, unlike in 3DS1.
What is great about 3D Secure 2 (3DS2)?

More sales with less friction

With 3DS2's frictionless flow, cardholders can authenticate themselves without being challenged. This quick and painless checkout process will benefit cardholders, while merchants can expect up to 66% less cart abandonment rates, according to Visa.
Find out more about 3D Secure Server
More data = greater authentication accuracy
With 10x more data collected, issuers can more accurately determine a transaction's risk. As a result, Visa's case study shows 95% of transactions are approved straight away, and cardholders will experience 40% less fraud.
Read more about Non-Payment Authentication
Built for mobile first
Gone are browser redirection and poorly scaled challenge screens. 3DS2 adds support for authentication in mobile apps. This means challenge screens can be presented from within the merchant's app, while looking and feeling just like a part of the app.
Find out more about ActiveSDK
3DS2 vs 3DS1

More data


Latency reduction


Fewer fraud


Less abandonment

Visa RBA case study: 2017 data
3D Secure 2 flow
3D Secure 2 messages flow between the cardholder, the 3DS Server, Directory Server (operated each card scheme), and the issuing bank. In summary, information about the transaction at hand, the cardholder's browser or mobile device, as well as the cardholder's account history with the given merchant are all collected and eventually passed on to the issuing bank. Responses are then returned to the cardholder via the same route. Challenge messages will occur directly between the cardholder and issuing bank in case a challenge is required.
3DS2 Flow
PSD2 and Strong Customer Authentication (SCA)

Revised Payment Service Directive (PSD2) in EU

The Revised Payment Service Directive (PSD2) in EU was introduced to promote new types of payment services, and enhance customer protection and security. PSD2 has set out deadlines for businesses to comply with its regulations.

3D Secure 2.0 Regional Activation Date
Timeline of 3D Secure 2 regional mandates

*The dates in this timeline are received directly from the card schemes. GPayments recognises that these dates are subject to change due to external circumstances.

Strong Customer Authentication (SCA)

Businesses that operate within the European Union will soon have to comply with SCA regulation changes that can have a significant impact on how business is conducted. SCA promotes the use of two-factor authentication and implementing 3DS2 is commonly agreed to be the best method to comply with SCA.

Learn more about comply with SCA under PSD2
A one-stop shop for all your 3DS2 needs

Our 3D Secure 2 solutions

Issuers Icon
Multi channel authenticationfor web and mobile devices

Multi issuer support

HSM agnostic​

User friendly web based administration

Extensive reporting and customer management

User friendly web based administration

Multi issuer support

Extensive reporting and customer management

​Effortless implementation

Compliant with all major card schemes​

Payment Gateways & Merchants
Payment Gateways & Merchants

Multi channel authenticationfor web and mobile devices

Cloud deployment ready

EMVCo certified

Effortless customer experience

Right out of the box deployment in your own environment

Interoperability with 3DS1 protocol

Compliant with all major card schemes

Native 3DS integration​
for merchant apps​

Native mobile support

Available for both Android and iOS

Complete ActiveServer integration by default

End-to-end testing icon
End-to-end testing
End to end testing environmentfor implementers

TestLabs can be used to test any​
3D Secure component, or to perform compliance testing prior to Product Integration Testing.​
Unlike many test tools that utilise simulators, TestLabs comprises live and fully developed 3DS2 components: ActiveServer (a 3DS Server), a 3DS2 Access Control Server and a Directory Server.​​

Learn More
Handles all regional card brand communications

Suitable for regional card brand 3DS implementations

EMVCo certified

High performance and multi-tenanted to support multiple issuers and acquirers

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Why GPayments?
Founded in 1999, being the first Asia Pacific region to develop 3D Secure solutions for acquiring and issuing side clients​, GPayments have a deep expertise and proficiency in the 3DS protocol.

Today GPayments is the leader of 3D Secure acquiring market in Japan and Australia, and 3D Secure issuing in Eastern Europe​. GPayments serves 100K+ merchants, 100+ banks, 92 direct customers and distributors, 33 countries around the world and had 100% year-on-year ACS revenue growth since 2016​.
Interested in discussing how we can help you with your 3DS2 onboarding process?
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