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cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Payments</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/payments/authenticate-payments" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-light text-black-secondary" id="ga-breadcrumb">Authenticate payments</a></li><span class="select-none" aria-hidden="true">/</span><li><a href="/docs/payments/authenticate-payments/3d-secure" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer inline hover:underline link-text text-sm leading-4 font-medium text-black" aria-current="page" id="ga-breadcrumb">3D Secure</a></li></ol></nav><h1 class="flex items-center gap-4 font-semibold text-black max-[376px]:text-[32px] max-[376px]:leading-10 text-[40px] leading-[48px]">3D Secure</h1></div></header><div class="w-full xl:max-w-[864px]"><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">Authenticate your customers' payments with 3D Secure to reduce fraud and meet regulatory requirements.</p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&>*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">We currently support versions up to, and including, 2.2.0 of the 3D Secure protocol.</p></div></div><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">What is 3D Secure?</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="WhatisDSecure" id="What_is_3D_Secure?"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">3D Secure (3DS) is a security protocol that requires customers to complete an additional authentication step when attempting an online card payment. The 3D refers to the three domains involved in the authentication process:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">The card issuer</li><li class="[&>*]:mb-0">The merchant</li><li class="[&>*]:mb-0">The infrastructure that mediates between the consumer and the merchant</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">In Europe, 3DS is required to comply with the <a href="/docs/payments/regulation-support/sca-compliance-guide" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Strong Customer Authentication (SCA) regulation</a> for all card payments. </p><div class="relative grid gap-6 p-6 rounded-lg text-black w-full bg-blue-500 mb-10"><div class="flex gap-4 items-center"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 16" focusable="false" class="inline-block shrink-0 w-6 h-6"><circle cx="7.5" cy="7.5" r="7" stroke="currentColor"></circle><path fill="currentColor" d="M7 10V3h1v7zM8 12H7v-1h1z"></path></svg><h3 class="text-lg leading-6 font-semibold">Information</h3></div><div class="[&>*]:mb-0"><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">In other regions, 3DS authentication is optional.</p></div></div><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">Many major card schemes provide their own 3DS solutions. For example:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">American Express SafeKey</li><li class="[&>*]:mb-0">Diners Club ProtectBuy</li><li class="[&>*]:mb-0">Mastercard Identity Check</li><li class="[&>*]:mb-0">Visa Secure</li></ul><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">In a 3DS authentication flow, you redirect the customer to their bank’s website where they can verify the payment with a password or a code sent to their phone. The data and risk assessment metrics provided by 3DS allow you to provide a secure frictionless authentication experience to your customers. </p><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">How 3D Secure works</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="HowDSecureworks" id="How_3D_Secure_works"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">With 3DS you can embed the authentication process in your checkout flow to provide a seamless user experience.</p><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">When a customer makes a payment, the merchant and payment service provider can use 3DS to send data to the cardholder's issuer. For example, the customer's shipping address, device ID, or payment history. </p><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">The issuer can then use this data to assess the transaction's risk level and either:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">Immediately authenticate the payment using a <a href="/docs/payments/authenticate-payments/3d-secure#Frictionless_flow" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">frictionless flow</a>.</li><li class="[&>*]:mb-0">Request further information before authenticating the payment using a <a href="/docs/payments/authenticate-payments/3d-secure#Challenge_flow" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">challenge flow</a>.</li></ul><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Frictionless flow</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Frictionlessflow" id="Frictionless_flow"></span></div><ol class="list-decimal [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">In a frictionless flow, the cardholder initiates a transaction and the 3DS data is sent to the 3DS Server. </li><li class="[&>*]:mb-0">The 3DS Server sends the Authentication Request (AReq) to the payment network, and then on to the issuer.</li><li class="[&>*]:mb-0">If the issuer determines that there is sufficient data to confirm that the transaction is legitimate and was initiated by the cardholder, they will continue with a frictionless flow.</li><li class="[&>*]:mb-0">The issuer will return their decision to the payment network within the Authentication Response (ARes), and then on to the 3DS Server.</li><li class="[&>*]:mb-0">The 3DS Server will send the decision back to the browser or SDK from where the transaction was initiated and complete the payment.</li></ol><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6">Challenge flow</h3><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="absolute -top-[200px]" data-content="Challengeflow" id="Challenge_flow"></span></div><ol class="list-decimal [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">In a challenge flow, the cardholder initiates a transaction and the 3DS data is sent to the 3DS server. </li><li class="[&>*]:mb-0">The 3DS Server sends the AReq to the payment network, and then on to the issuer.</li><li class="[&>*]:mb-0">If the issuer determines that there is insufficient data to confirm that the transaction is legitimate and was initiated by the cardholder, they will continue with a challenge flow.</li><li class="[&>*]:mb-0">The issuer will return their decision to the payment network within the ARes, and then on to the 3DS Server.</li><li class="[&>*]:mb-0">The 3DS Server will send the decision back to the browser or SDK from where the transaction was initiated.</li><li class="[&>*]:mb-0">The browser or SDK can then send a Challenge Request (CReq) to the issuer. This will prompt the issuer to present a 3DS challenge screen to the cardholder.</li><li class="[&>*]:mb-0">The issuer sends the result of the challenge to the browser or SDK within the Challenge Response (CRes). The CRes can also be used to indicate to the origin app that further cardholder interaction is required.</li><li class="[&>*]:mb-0">When the challenge is successfully completed, the issuer sends the result of the challenge to the payment network within the Result Request (RReq), and then on to the 3DS Server.</li><li class="[&>*]:mb-0">The 3DS Server acknowledges that it received the RReq by sending a Result Response (RRes) to the payment network, and then on to the issuer.</li></ol><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">What is liability shift, and when does it occur?</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Whatisliabilityshiftandwhendoesitoccur" id="What_is_liability_shift,_and_when_does_it_occur?"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">This is when the liability for fraud-related chargebacks (for instance, your customer denies they made the purchase, suspecting someone has stolen their card details) shifts from you to the card issuer.</p><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">As a general rule, the shift occurs when a payment is successfully authenticated with 3DS.</p><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">Specifically:</p><ul class="list-disc [padding-inline-start:24px] mb-8"><li class="[&>*]:mb-0">If the card is enrolled for 3DS and authentication is successful, the liability shifts from you to the issuer, and you can authorize the payment – see <a href="/docs/developer-resources/codes/eci-values#Non-Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Electronic Commerce Indicator (ECI) values 05 / 02</a>.</li><li class="[&>*]:mb-0">If the card supports 3DS but authentication could not be attempted for technical reasons (for example, there was a network error, or the customer closed the window during verification), liability remains with you, but you can decide whether or not to authorize the transaction – see <a href="/docs/developer-resources/codes/eci-values#Non-Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">ECI 07 (non-Mastercard) / 00</a>.</li><li class="[&>*]:mb-0">If authentication fails because the cardholder does not pass the challenge, liability remains with you and you should not proceed with the payment – see <a href="/docs/developer-resources/codes/eci-values#Non-Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">ECI 07 (non-Mastercard) / 00</a>.</li><li class="[&>*]:mb-0">If you request and apply an exemption, you can proceed to authorize the payment but liability will remain with you – see <a href="/docs/developer-resources/codes/eci-values#Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">ECI 07 (non-Mastercard) / 06</a>.</li><li class="[&>*]:mb-0">If you specify the <code class="py-[2px] px-2 rounded text-grey-800 bg-grey-100 font-code text-sm font-normal break-words">no_challenge_requested</code> challenge indicator in your authentication request and it's applied with Cartes Bancaires, you can proceed to authorize the payment but liability will remain with you – this applies even if you receive ECI value 05 (non-Mastercard) / 02.</li><li class="[&>*]:mb-0">Mastercard has additional rules specific to 3DS 2.2.0 and 2.3.1 – see <a href="/docs/developer-resources/codes/eci-values#Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Mastercard ECIs 04, 06, and 07</a>.</li><li class="[&>*]:mb-0">If you request a non-payment authentication with Mastercard, the transaction does not go to authorization and liability does not shift – see <a href="/docs/developer-resources/codes/eci-values#Mastercard_liability_shift" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">ECI N0/N2</a>.</li></ul><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Our 3D Secure solution</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="OurDSecuresolution" id="Our_3D_Secure_solution"></span></div><p class="text-base font-normal normal-case text-black mb-8 [&:has(.arrow-link)]:mb-0">You can request 3D Secure payments using the <a href="/docs/payments/authenticate-payments#Authenticate_payments_using_our_integrated_authentication" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Payments API</a>, or the <a href="/docs/risk-management/3d-secure/sessions" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-blue-100">Standalone (Sessions) API</a> – our standalone solution that uses the EMV 3D Secure (3DS) protocol.</p><hr class="border-0 border-t border-grey-100 mb-10"/><button aria-label="Copy section link to clipboard" type="button" class="mb-4 group flex items-center gap-2"><h2 class="flex items-center gap-4 font-semibold text-black text-xl">Related topics</h2><svg class="opacity-0 transition-opacity group-hover:opacity-100" xmlns="http://www.w3.org/2000/svg" width="16" height="16" viewBox="0 0 16 16"><g fill="var(--base-icon-primary-alt, var(--base-icon-primary, #141414))"><g><path d="M8.15,7.15a.48.48,0,0,0,0,.7,2.35,2.35,0,0,1,0,3.3l-2,2a2.33,2.33,0,0,1-3.3-3.3l2-2a2.35,2.35,0,0,1,.47-.36.5.5,0,0,0,.17-.68.49.49,0,0,0-.68-.18,3,3,0,0,0-.66.52l-2,2a3.32,3.32,0,1,0,4.7,4.7l2-2a3.32,3.32,0,0,0,0-4.7A.48.48,0,0,0,8.15,7.15Z"></path><path d="M13.85,2.15a3.32,3.32,0,0,0-4.7,0l-2,2a3.32,3.32,0,0,0,0,4.7.49.49,0,0,0,.7-.7,2.35,2.35,0,0,1,0-3.3l2-2a2.33,2.33,0,0,1,3.3,3.3l-2,2a2.35,2.35,0,0,1-.47.36.5.5,0,0,0,.26.93.59.59,0,0,0,.25-.07,3.29,3.29,0,0,0,.66-.52l2-2A3.32,3.32,0,0,0,13.85,2.15Z"></path></g></g></svg></button><div class="relative"><span class="anchor-nav-item absolute -top-[200px]" data-content="Relatedtopics" id="Related_topics"></span></div><div class="mt-12"><div class="grid-cols-12 gap-6 flex md:grid flex-col"><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/payments/authenticate-payments/3d-secure/standalone-sessions" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Standalone (Sessions)<!-- --> </span></h3></div><div class="w-full my-0 font-normal text-black-secondary">Learn more about our standalone authentication solution.</div><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 30 24" focusable="false" class="ml-auto mt-auto h-6 w-8 text-grey-500"><path stroke="currentColor" d="M0 11.765h28.75m0 0L17.485 23.031M28.75 11.765 17.485.5"></path></svg></div></a></div><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/payments/authenticate-payments/3d-secure/understand-authentication-failures" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Understand authentication failures<!-- --> </span></h3></div><div class="w-full my-0 font-normal text-black-secondary">Learn more about common authentication failures you may encounter.</div><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 30 24" focusable="false" class="ml-auto mt-auto h-6 w-8 text-grey-500"><path stroke="currentColor" d="M0 11.765h28.75m0 0L17.485 23.031M28.75 11.765 17.485.5"></path></svg></div></a></div><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/payments/authenticate-payments/3d-secure/improve-authentication-performance" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Improve authentication performance<!-- --> </span></h3></div><div class="w-full my-0 font-normal text-black-secondary">Improve your authentication performance by including optional fields to enhance risk analysis.</div><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 30 24" focusable="false" class="ml-auto mt-auto h-6 w-8 text-grey-500"><path stroke="currentColor" d="M0 11.765h28.75m0 0L17.485 23.031M28.75 11.765 17.485.5"></path></svg></div></a></div><div class="col-span-12 md:col-span-6 lg:col-span-6"><a href="/docs/payments/authenticate-payments/3d-secure/request-3ri-authentication" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline text-black-secondary link-text hover:no-underline"><div class="bg-white rounded-md p-6 flex flex-col gap-4 border h-full border-grey-100 transition-all hover:shadow hover:border-blue-400"><div class="w-full flex flex-col gap-4"><h3 class="flex items-center gap-4 font-semibold text-black text-lg leading-6"><span class="flex flex-wrap items-center gap-x-2 gap-y-1">Request 3RI authentication<!-- --> <p class="font-medium inline-block rounded px-1.5 tag text-[12px] py-0 whitespace-nowrap bg-orange-300 text-black leading-6 normal-case">Beta</p></span></h3></div><div class="w-full my-0 font-normal text-black-secondary">Learn how to submit authentication data for transactions in which the cardholder is not present.</div><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 30 24" focusable="false" class="ml-auto mt-auto h-6 w-8 text-grey-500"><path stroke="currentColor" d="M0 11.765h28.75m0 0L17.485 23.031M28.75 11.765 17.485.5"></path></svg></div></a></div></div></div></div></div><aside class="h-fit sticky mb-3 hidden w-auto xl:flex xl:w-[240px]" style="max-height:calc(100vh - 177px);top:175px"></aside></main></div><div class="bg-black-secondary text-white"><footer class="mx-auto flex max-w-[1360px] flex-col gap-4 px-4 py-12 lg:gap-10 lg:p-16"><a href="/docs" target="" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer font-medium text-md inline hover:underline link-text text-white" aria-label="Home"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 188 32" focusable="false" class="h-6"><path fill="#fff" d="m14.042 8.097 3.475 6.06 3.475-6.06zM14.09 23.903h6.95l-3.475-6.06zM12.329 9.018 8.235 16l4.094 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gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Accept online</a><a href="https://www.checkout.com/products/flow" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Flow</a><a href="https://www.checkout.com/technology/payouts" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payouts</a><a href="https://www.checkout.com/products/issuing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Issuing</a><a href="https://www.checkout.com/payment-integrations" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment integrations</a><a href="https://www.checkout.com/products/integrated-platforms" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Integrated Platforms</a><a href="https://www.checkout.com/payment-methods" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment methods</a><a href="https://www.checkout.com/technology/payment-processing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment processing</a><a href="https://www.checkout.com/products/fraud-detection" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fraud protection</a><a href="https://www.checkout.com/products/authentication-3ds" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Authentication</a><a href="https://www.checkout.com/products/intelligent-acceptance" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Intelligent Acceptance</a><a href="https://www.checkout.com/products/identity-verification" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Identity Verification</a><a href="https://www.checkout.com/products/vault" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Vault</a><a href="https://www.checkout.com/products/real-time-account-updater" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Real-Time Account Updater</a><a href="https://www.checkout.com/products/network-tokens" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Network tokens</a><a href="https://www.checkout.com/pricing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Pricing</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Solutions</p><a href="https://www.checkout.com/solutions/ecommerce" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Ecommerce</a><a href="https://www.checkout.com/solutions/fintech" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fintech</a><a href="https://www.checkout.com/solutions/gaming" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Gaming</a><a href="https://www.checkout.com/solutions/crypto" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Crypto</a><a href="https://www.checkout.com/solutions/marketplaces" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Marketplace</a><a href="https://www.checkout.com/solutions/payment-facilitators" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment facilitators</a><a href="https://www.checkout.com/solutions/travel" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Travel</a><a href="https://www.checkout.com/solutions/international-coverage" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">International coverage</a><a href="https://www.checkout.com/partners" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our partners</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Company</p><a href="https://www.checkout.com/mission" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our mission</a><a href="https://www.checkout.com/customers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our customers</a><a href="https://www.checkout.com/leadership" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Leadership</a><a href="https://www.checkout.com/newsroom" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Newsroom</a><a href="https://www.checkout.com/contact-us" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Contact us</a><a href="https://www.checkout.com/life-at" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Life at Checkout.com</a><a href="https://www.checkout.com/careers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Open positions (hiring)</a><a href="https://www.checkout.com/diversity-and-inclusion" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Diversity & Inclusion</a><a href="https://www.checkout.com/carbon-offsetting" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Carbon offsetting</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Developers</p><a href="https://www.checkout.com/docs" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Documentation</a><a href="https://api-reference.checkout.com/" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">API Reference</a><a href="https://www.checkout.com/get-test-account" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Test account</a></div><div class="flex flex-col gap-4"><p class="mb-2 text-xs font-medium uppercase tracking-[1.76px]">Resources</p><a href="https://www.checkout.com/blog" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Blog</a><a href="https://www.checkout.com/case-studies" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Case studies</a><a href="https://support.checkout.com" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Support</a></div></nav><nav aria-label="Site links" class="flex flex-col divide-y divide-grey-500 lg:hidden"><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:R9lqn6:" type="button" aria-expanded="false" data-headlessui-state="">Products<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rhlqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/products/accept-online" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Accept online</a><a href="https://www.checkout.com/products/flow" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Flow</a><a href="https://www.checkout.com/technology/payouts" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payouts</a><a href="https://www.checkout.com/products/issuing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Issuing</a><a href="https://www.checkout.com/payment-integrations" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment integrations</a><a href="https://www.checkout.com/products/integrated-platforms" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Integrated Platforms</a><a href="https://www.checkout.com/payment-methods" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment methods</a><a href="https://www.checkout.com/technology/payment-processing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment processing</a><a href="https://www.checkout.com/products/fraud-detection" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fraud protection</a><a href="https://www.checkout.com/products/authentication-3ds" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Authentication</a><a href="https://www.checkout.com/products/intelligent-acceptance" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Intelligent Acceptance</a><a href="https://www.checkout.com/products/identity-verification" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Identity Verification</a><a href="https://www.checkout.com/products/vault" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Vault</a><a href="https://www.checkout.com/products/real-time-account-updater" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Real-Time Account Updater</a><a href="https://www.checkout.com/products/network-tokens" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Network tokens</a><a href="https://www.checkout.com/pricing" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Pricing</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Ralqn6:" type="button" aria-expanded="false" data-headlessui-state="">Solutions<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rilqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/solutions/ecommerce" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Ecommerce</a><a href="https://www.checkout.com/solutions/fintech" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Fintech</a><a href="https://www.checkout.com/solutions/gaming" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Gaming</a><a href="https://www.checkout.com/solutions/crypto" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Crypto</a><a href="https://www.checkout.com/solutions/marketplaces" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Marketplace</a><a href="https://www.checkout.com/solutions/payment-facilitators" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Payment facilitators</a><a href="https://www.checkout.com/solutions/travel" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Travel</a><a href="https://www.checkout.com/solutions/international-coverage" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">International coverage</a><a href="https://www.checkout.com/partners" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our partners</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rblqn6:" type="button" aria-expanded="false" data-headlessui-state="">Company<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rjlqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/mission" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our mission</a><a href="https://www.checkout.com/customers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Our customers</a><a href="https://www.checkout.com/leadership" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Leadership</a><a href="https://www.checkout.com/newsroom" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Newsroom</a><a href="https://www.checkout.com/contact-us" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Contact us</a><a href="https://www.checkout.com/life-at" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Life at Checkout.com</a><a href="https://www.checkout.com/careers" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Open positions (hiring)</a><a href="https://www.checkout.com/diversity-and-inclusion" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Diversity & Inclusion</a><a href="https://www.checkout.com/carbon-offsetting" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Carbon offsetting</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rclqn6:" type="button" aria-expanded="false" data-headlessui-state="">Developers<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rklqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/docs" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Documentation</a><a href="https://api-reference.checkout.com/" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">API Reference</a><a href="https://www.checkout.com/get-test-account" target="_blank" class="cursor:pointer items-center gap-2.5 group group no-underline cursor-pointer hover:underline link-text block text-sm font-normal text-white" rel="noopener noreferrer">Test account</a></div></div></div></div></section><section class="flex flex-col items-start" data-headlessui-state=""><button class="py-6 w-full text-left flex gap-4 items-center justify-between pl-0 text-sm font-medium uppercase tracking-[1.4px] text-white" id="headlessui-disclosure-button-:Rdlqn6:" type="button" aria-expanded="false" data-headlessui-state="">Resources<svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 16 17" focusable="false" class="transition-transform h-4 w-4 duration-200 ease-in-out"><path stroke="currentColor" d="m2.002 5.46 5.998 6 5.998-6"></path></svg></button><div aria-hidden="true" class="w-full overflow-hidden pl-4 transition-none duration-500" style="max-height:0px" id="headlessui-disclosure-panel-:Rllqn6:" data-headlessui-state=""><div><div class="flex flex-col gap-0 pb-0 pt-0"><div class="my-2 flex flex-col gap-2"><a href="https://www.checkout.com/blog" target="_blank" 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e?u(e,t,{enumerable:!0,configurable:!0,writable:!0,value:a}):e[t]=a,i=(e,t)=\u003e{for(var a in t||(t={}))o.call(t,a)\u0026\u0026l(e,a,t[a]);if(n)for(var a of n(t))s.call(t,a)\u0026\u0026l(e,a,t[a]);return e},h=(e,t)=\u003ep(e,d(t));var c=(e,t)=\u003e{var a={};for(var r in e)o.call(e,r)\u0026\u0026t.indexOf(r)\u003c0\u0026\u0026(a[r]=e[r]);if(e!=null\u0026\u0026n)for(var r of n(e))t.indexOf(r)\u003c0\u0026\u0026s.call(e,r)\u0026\u0026(a[r]=e[r]);return a};const makeShortcode=e=\u003efunction(a){return console.warn(\"Component \"+e+\" was not imported, exported, or provided by MDXProvider as global scope\"),mdx(\"div\",i({},a))},TipBox=makeShortcode(\"TipBox\"),layoutProps={},MDXLayout=\"wrapper\";function MDXContent(a){var r=a,{components:e}=r,t=c(r,[\"components\"]);return mdx(MDXLayout,h(i(i({},layoutProps),t),{components:e,mdxType:\"MDXLayout\"}),mdx(\"p\",null,\"Authenticate your customers' payments with 3D Secure to reduce fraud and meet regulatory requirements.\"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"We currently support versions up to, and including, 2.2.0 of the 3D Secure protocol.\")),mdx(\"hr\",null),mdx(\"h2\",null,\"What is 3D Secure?\"),mdx(\"p\",null,\"3D Secure (3DS) is a security protocol that requires customers to complete an additional authentication step when attempting an online card payment. The 3D refers to the three domains involved in the authentication process:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"The card issuer\"),mdx(\"li\",{parentName:\"ul\"},\"The merchant\"),mdx(\"li\",{parentName:\"ul\"},\"The infrastructure that mediates between the consumer and the merchant\")),mdx(\"p\",null,\"In Europe, 3DS is required to comply with the \",mdx(\"a\",i({parentName:\"p\"},{href:\"/payments/regulation-support/sca-compliance-guide\"}),\"Strong Customer Authentication (SCA) regulation\"),\" for all card payments. \"),mdx(TipBox,{variant:\"info\",mdxType:\"TipBox\"},mdx(\"p\",null,\"In other regions, 3DS authentication is optional.\")),mdx(\"p\",null,\"Many major card schemes provide their own 3DS solutions. For example:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"American Express SafeKey\"),mdx(\"li\",{parentName:\"ul\"},\"Diners Club ProtectBuy\"),mdx(\"li\",{parentName:\"ul\"},\"Mastercard Identity Check\"),mdx(\"li\",{parentName:\"ul\"},\"Visa Secure\")),mdx(\"p\",null,\"In a 3DS authentication flow, you redirect the customer to their bank\\u2019s website where they can verify the payment with a password or a code sent to their phone. The data and risk assessment metrics provided by 3DS allow you to provide a secure frictionless authentication experience to your customers. \"),mdx(\"hr\",null),mdx(\"h2\",null,\"How 3D Secure works\"),mdx(\"p\",null,\"With 3DS you can embed the authentication process in your checkout flow to provide a seamless user experience.\"),mdx(\"p\",null,\"When a customer makes a payment, the merchant and payment service provider can use 3DS to send data to the cardholder's issuer. For example, the customer's shipping address, device ID, or payment history. \"),mdx(\"p\",null,\"The issuer can then use this data to assess the transaction's risk level and either:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"Immediately authenticate the payment using a \",mdx(\"a\",i({parentName:\"li\"},{href:\"#Frictionless_flow\"}),\"frictionless flow\"),\".\"),mdx(\"li\",{parentName:\"ul\"},\"Request further information before authenticating the payment using a \",mdx(\"a\",i({parentName:\"li\"},{href:\"#Challenge_flow\"}),\"challenge flow\"),\".\")),mdx(\"h3\",null,\"Frictionless flow\"),mdx(\"ol\",null,mdx(\"li\",{parentName:\"ol\"},\"In a frictionless flow, the cardholder initiates a transaction and the 3DS data is sent to the 3DS Server. \"),mdx(\"li\",{parentName:\"ol\"},\"The 3DS Server sends the Authentication Request (AReq) to the payment network, and then on to the issuer.\"),mdx(\"li\",{parentName:\"ol\"},\"If the issuer determines that there is sufficient data to confirm that the transaction is legitimate and was initiated by the cardholder, they will continue with a frictionless flow.\"),mdx(\"li\",{parentName:\"ol\"},\"The issuer will return their decision to the payment network within the Authentication Response (ARes), and then on to the 3DS Server.\"),mdx(\"li\",{parentName:\"ol\"},\"The 3DS Server will send the decision back to the browser or SDK from where the transaction was initiated and complete the payment.\")),mdx(\"h3\",null,\"Challenge flow\"),mdx(\"ol\",null,mdx(\"li\",{parentName:\"ol\"},\"In a challenge flow, the cardholder initiates a transaction and the 3DS data is sent to the 3DS server. \"),mdx(\"li\",{parentName:\"ol\"},\"The 3DS Server sends the AReq to the payment network, and then on to the issuer.\"),mdx(\"li\",{parentName:\"ol\"},\"If the issuer determines that there is insufficient data to confirm that the transaction is legitimate and was initiated by the cardholder, they will continue with a challenge flow.\"),mdx(\"li\",{parentName:\"ol\"},\"The issuer will return their decision to the payment network within the ARes, and then on to the 3DS Server.\"),mdx(\"li\",{parentName:\"ol\"},\"The 3DS Server will send the decision back to the browser or SDK from where the transaction was initiated.\"),mdx(\"li\",{parentName:\"ol\"},\"The browser or SDK can then send a Challenge Request (CReq) to the issuer. This will prompt the issuer to present a 3DS challenge screen to the cardholder.\"),mdx(\"li\",{parentName:\"ol\"},\"The issuer sends the result of the challenge to the browser or SDK within the Challenge Response (CRes). The CRes can also be used to indicate to the origin app that further cardholder interaction is required.\"),mdx(\"li\",{parentName:\"ol\"},\"When the challenge is successfully completed, the issuer sends the result of the challenge to the payment network within the Result Request (RReq), and then on to the 3DS Server.\"),mdx(\"li\",{parentName:\"ol\"},\"The 3DS Server acknowledges that it received the RReq by sending a Result Response (RRes) to the payment network, and then on to the issuer.\")),mdx(\"hr\",null),mdx(\"h2\",null,\"What is liability shift, and when does it occur?\"),mdx(\"p\",null,\"This is when the liability for fraud-related chargebacks (for instance, your customer denies they made the purchase, suspecting someone has stolen their card details) shifts from you to the card issuer.\"),mdx(\"p\",null,\"As a general rule, the shift occurs when a payment is successfully authenticated with 3DS.\"),mdx(\"p\",null,\"Specifically:\"),mdx(\"ul\",null,mdx(\"li\",{parentName:\"ul\"},\"If the card is enrolled for 3DS and authentication is successful, the liability shifts from you to the issuer, and you can authorize the payment \\u2013 see \",mdx(\"a\",i({parentName:\"li\"},{href:\"/developer-resources/codes/eci-values#Non-Mastercard_liability_shift\"}),\"Electronic Commerce Indicator (ECI) values 05 / 02\"),\".\"),mdx(\"li\",{parentName:\"ul\"},\"If the card supports 3DS but authentication could not be attempted for technical reasons (for example, there was a network error, or the customer closed the window during verification), liability remains with you, but you can decide whether or not to authorize the transaction \\u2013 see \",mdx(\"a\",i({parentName:\"li\"},{href:\"/developer-resources/codes/eci-values#Non-Mastercard_liability_shift\"}),\"ECI 07 (non-Mastercard) / 00\"),\".\"),mdx(\"li\",{parentName:\"ul\"},\"If authentication fails because the cardholder does not pass the challenge, liability remains with you and you should not proceed with the payment \\u2013 see \",mdx(\"a\",i({parentName:\"li\"},{href:\"/developer-resources/codes/eci-values#Non-Mastercard_liability_shift\"}),\"ECI 07 (non-Mastercard) / 00\"),\".\"),mdx(\"li\",{parentName:\"ul\"},\"If you request and apply an exemption, you can proceed to authorize the payment but liability will remain with you \\u2013 see \",mdx(\"a\",i({parentName:\"li\"},{href:\"/developer-resources/codes/eci-values#Mastercard_liability_shift\"}),\"ECI 07 (non-Mastercard) / 06\"),\".\"),mdx(\"li\",{parentName:\"ul\"},\"If you specify the \",mdx(\"inlineCode\",{parentName:\"li\"},\"no_challenge_requested\"),\" challenge indicator in your authentication request and it's applied with Cartes Bancaires, you can proceed to authorize the payment but liability will remain with you \\u2013 this applies even if you receive ECI value 05 (non-Mastercard) / 02.\"),mdx(\"li\",{parentName:\"ul\"},\"Mastercard has additional 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