3D Secure 2 is an authentication protocol that provides an additional layer of verification for card-not-present (CNP) transactions. We recommend that you use it to comply with authentication regulations for online payments such as PSD2 SCA, and to use liability shift rules.
We support two options:
Native: The card issuer performs the authentication within your website or mobile app using passive, biometric, and two-factor authentication approaches. For more information, refer to 3D Secure 2 authentication flows.
Redirect: Shoppers are redirected to the card issuer's site to provide additional authentication data, for example a password or an SMS verification code. The redirection might lead to lower conversion rates due to technical errors during the redirection, or shoppers dropping out of the authentication process.
Native 3D Secure 2
Provide a better shopper-experience by performing 3D Secure 2 authentication in your website or mobile app.
Redirect 3D Secure 2
The fastest way to support 3D Secure 2, redirecting the shopper to another site to verify the payment.
3D Secure 2 authentication flows
A transaction that qualifies for 3D Secure 2 can go through either a frictionless flow or a challenge flow, depending on the issuer's requirements.
In a frictionless flow, the acquirer, issuer, and card scheme exchange all necessary information in the background through passive authentication using the shopper's device fingerprint. The transaction is completed without further shopper interaction.
In a challenge flow, the issuer requires additional shopper interaction, either through biometrics, two-factor authentication, or similar methods based on SCA authentication factors.
Other 3D Secure flows
You can also implement the following alternative 3D Secure flows:
Perform only the 3D Secure 2 authentication with us, and submit the payment authorisation later.
Use a third-party 3D Secure 2 provider, and perform the authorisation request with Adyen.
Submit a 3D Secure 2 request without requesting for an authentication. Only available for Mastercard.