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3DS2 API

API v3
Last updated May 2021

Verify your customer's identity simply and seamlessly to minimize fraud. Use our strong customer authentication to benefit from liability shift.

3DS

3DS allows you to meet the Strong Customer Authentication (SCA) requirement under the PSD2 regulation as well as shifting liability for fraudulent transactions to the issuer.

Learn more aboutwhen SCA applies.

Liability shift

Liability for fraudulent transactions passes to the issuer when 3DS is applied. A successful frictionless/challenge outcome is only an indication of liability shift. The shift itself happens when the 3DS data is applied in the payment request.


Visualize our 3DS API and see the flow of a 3DS authentication.

Discover our 3DS API by clicking on the scenarios. We'll show you the flow of requests, and actions related to the selected request.

User3dsAPIdeviceDataInitializeauthenticatepaymentsAuthorizeverifypaymentsAuthorize