What is 3D Secure (3DS)?
3D Secure (3DS) is an authentication protocol that adds a verification step to online card transactions. It requires cardholders to confirm their identity before a transaction is completed, reducing unauthorized card use.Why 3DS Matters
- Fraud prevention: Authenticates the cardholder, reducing unauthorized card use.
- Chargeback protection: Liability typically shifts to the card issuer for authenticated transactions.
- Regulatory compliance: Required for Strong Customer Authentication (SCA) under PSD2 in the EU and other regions.
Challenges of Implementing 3DS
While 3DS provides many benefits, implementing it can be complex:- Integration with card networks and issuers.
- Managing redirects for authentication.
- Handling variations across card brands and regions.
- Maintaining a seamless user experience.
How Paybyrd handles 3DS
- A single API call enables 3DS in your payment flow. Paybyrd handles authentication and redirection automatically.
- The API response includes a 3DS action URL you can use to redirect the customer for authentication.
- Transaction status updates are delivered via webhooks — no polling required.
- Paybyrd supports SCA compliance for global and regional payment regulations.
Integration options
Paybyrd offers two ways to integrate 3DS:- Simplified setup — Paybyrd handles the full 3DS flow. Recommended for most integrations.
- SDK setup — Use Paybyrd’s SDK for more control over the authentication flow.