API v3
Last updated January 2024

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


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.

3DS1 has been largely decommissioned and now only applies to a small number of countries:

  • Visa: Bangladesh, Bhutan, Maldives, Nepal, India, Sri Lanka (domestic) - Ending Oct 12th 2023
  • Mastercard: India and Bangladesh (domestic and cross boarder) - Ending Oct 3rd 2023
  • AMEX: India - Ending Oct 13th 2023

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.