{"title":"3D Secure 2 authentication","category":"default","creationDate":1556550900,"content":"<div class=\"additional-info-block output-inline\">\n<h5 class=\"article__heading additional-info-block__title\">Adyen Authentication Engine<\/h5><div class=\"additional-info-block__body\"><p>Implementing 3D Secure 2 with Adyen lets you benefit from our <a href=\"https:\/\/www.adyen.com\/knowledge-hub\/psd2-simplified-with-our-new-authentication-engine\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">Authentication Engine<\/a> that reduces regulatory complexity and optimizes authentication success.<\/p><\/div><\/div>\n\n<p>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 regulations that require strong customer authentication for online payments such as <a href=\"\/pt\/online-payments\/psd2-sca-compliance-and-implementation-guide\">PSD2 SCA<\/a> in the <a href=\"https:\/\/en.wikipedia.org\/wiki\/European_Economic_Area\" target=\"_blank\" rel=\"nofollow noopener noreferrer\" class=\"external-link no-image\">European Economic Area<\/a> and the Payment Services Regulations 2017 in the UK, and to use <a href=\"\/pt\/online-payments\/3d-secure-for-regulation-compliance#3dsecurechargebackliabilityshiftrules\">liability shift rules<\/a>.<\/p>\n<h2>Implement 3D Secure 2<\/h2>\n<p>We support two 3D Secure 2 authentication implementations:<\/p>\n<ul>\n<li>\n<p><strong>Native<\/strong>: The card issuer performs the authentication within your website or mobile app using passive, biometric, and two-factor authentication approaches. For more information about the shopper experience, refer to <a href=\"#authentication-flows\">3D Secure 2 authentication flows<\/a>.<\/p>\n<\/li>\n<li>\n<p><strong>Redirect<\/strong>: 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.<\/p>\n<\/li>\n<\/ul>\n<p>How you implement depends on the server-side flow of your online payments integration:<\/p>\n<ul>\n<li><a href=\"\/pt\/online-payments\/build-your-integration#sessions-flow-a-single-api-request\">\n  <strong>Sessions flow<\/strong>\n<\/a>: You do not need additional configuration to support 3D Secure 2. The <a href=\"\/pt\/online-payments\/build-your-integration\/sessions-flow\">Sessions flow integration<\/a> has built-in support for 3D Secure 2.<\/li>\n<li><a href=\"\/pt\/online-payments\/build-your-integration#advanced-flow-three-api-requests\">\n  <strong>Advanced flow<\/strong>\n<\/a>: Use the following guides to integrate with 3D Secure 2, selecting the platform (Web, iOS, or Android) and integration type (Drop-in or Components) that corresponds to your online payments integration. For an API-only integration, use the following guides to integrate with our pre-built 3D Secure 2 Component or Action Component.<\/li>\n<\/ul>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/online-payments\/3d-secure\/native-3ds2\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><h6 class=\"next-steps__title\">Native 3D Secure 2<\/h6><p>Provide a better shopper-experience by performing 3D Secure 2 authentication in your website or mobile app.<\/p><\/div><\/p><\/a><a href=\"\/online-payments\/3d-secure\/redirect-3ds2\" class=\"next-steps__step\" style=\"width:45%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><h6 class=\"next-steps__title\">Redirect 3D Secure 2<\/h6><p>The fastest way to support 3D Secure 2, redirecting the shopper to another site to verify the payment.<\/p><\/div><\/p><\/a><\/div>\n\n<div class=\"notices green\">\n<p>To build a Native 3D Secure 2 integration with <strong>Checkout API v46 or earlier<\/strong>, follow the <a href=\"\/pt\/online-payments\/3d-secure\/native-3ds2\/api-integration\">integration guide for earlier versions<\/a>.<\/p>\n<\/div>\n<h2 id=\"authentication-flows\">3D Secure 2 authentication flows<\/h2>\n<p>When you have implemented native 3D Secure, a transaction that qualifies for 3D Secure 2 can go through either a <a href=\"#frictionless-flow\">frictionless flow<\/a> or a <a href=\"#challenge-flow\">challenge flow<\/a>, depending on the issuer's requirements.<\/p>\n<h3 id=\"frictionless-flow\">Frictionless flow<\/h3>\n<p>In a frictionless flow, the acquirer, issuer, and card scheme\u00a0exchange all necessary information in the background through passive authentication using the shopper's device fingerprint. The transaction is completed without further shopper interaction.<\/p>\n<div class=\"hint--right\" data-hint=\"Frictionless flow\">\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-frictionless.png\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-frictionless.png\" \/>\n<\/a><\/p>\n<\/div>\n<h3 id=\"challenge-flow\">Challenge flow<\/h3>\n<p>In a challenge flow, the issuer requires additional shopper interaction, either through biometrics, two-factor authentication, or similar methods based on\u00a0<a href=\"\/pt\/get-started-with-adyen\/adyen-glossary\/#strong-customer-authentication-sca\">SCA authentication factors<\/a>.<\/p>\n<div class=\"hint--right\" data-hint=\"Challenge flow\">\n<p><a rel=\"lightbox\" href=\"\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-challenge.png\" src=\"\">\n  <img alt=\"\" src=\"\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-challenge.png\" \/>\n<\/a><\/p>\n<\/div>\n<h3>Other 3D Secure flows<\/h3>\n<p>Besides the standard 3D Secure 2 implementation options, there are additional 3D Secure flows that you can use with or without an existing 3D Secure 2 integration.<\/p>\n<div class=\"next-steps\" id=\"next-steps\" >\n<a href=\"\/online-payments\/3d-secure\/authorize-mpidata\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><h6 class=\"next-steps__title\">Authorization-only<\/h6><p>Use a third-party 3D Secure 2 provider, and perform the authorization request with Adyen.<\/p><\/div><\/p><\/a><a href=\"\/online-payments\/3d-secure\/data-only\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><h6 class=\"next-steps__title\">Data-only<\/h6><p>Submit a 3D Secure 2 request without requesting for an authentication. Only available for Visa and Mastercard.<\/p><\/div><\/p><\/a><a href=\"\/online-payments\/3d-secure\/standalone-authentication\" class=\"next-steps__step\" style=\"width:29%;\" target=\"_self\"><p class=\"next-steps__body\"><div style=\"text-align: center;\"><h6 class=\"next-steps__title\">Standalone authentication<\/h6><p>Submit a 3D Secure 2 request to perform authentication and receive authentication data you can use to authorize the payment later.<\/p><\/div><\/p><\/a><\/div>\n\n<h2>See also<\/h2>\n<div class=\"see-also-links output-inline\" id=\"see-also\">\n<ul><li><a href=\"\/online-payments\/psd2-sca-compliance-and-implementation-guide\"\n                        target=\"_self\"\n                        >\n                    PSD2 SCA compliance guide\n                <\/a><\/li><li><a href=\"\/online-payments\/3d-secure-for-regulation-compliance\"\n                        target=\"_self\"\n                        >\n                    3D Secure for regulation compliance\n                <\/a><\/li><li><a href=\"\/risk-management\/dynamic-3d-secure\"\n                        target=\"_self\"\n                        >\n                    Dynamic 3D Secure\n                <\/a><\/li><\/ul><\/div>\n","url":"https:\/\/docs.adyen.com\/pt\/online-payments\/3d-secure","articleFields":{"description":"Integrate 3D Secure 2 authentication.","feedback_component":true,"filters_component":false,"decision_tree":"[]","page_id":"34fe52e7-0ceb-4e1c-8445-fe3c43f5752f","last_edit_on":"18-01-2024 13:44"},"algolia":{"url":"https:\/\/docs.adyen.com\/pt\/online-payments\/3d-secure","title":"3D Secure 2 authentication","content":"\nAdyen Authentication EngineImplementing 3D Secure 2 with Adyen lets you benefit from our Authentication Engine that reduces regulatory complexity and optimizes authentication success.\n\n3D 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 regulations that require strong customer authentication for online payments such as PSD2 SCA in the European Economic Area and the Payment Services Regulations 2017 in the UK, and to use liability shift rules.\nImplement 3D Secure 2\nWe support two 3D Secure 2 authentication implementations:\n\n\nNative: The card issuer performs the authentication within your website or mobile app using passive, biometric, and two-factor authentication approaches. For more information about the shopper experience, refer to 3D Secure 2 authentication flows.\n\n\nRedirect: 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.\n\n\nHow you implement depends on the server-side flow of your online payments integration:\n\n\n  Sessions flow\n: You do not need additional configuration to support 3D Secure 2. The Sessions flow integration has built-in support for 3D Secure 2.\n\n  Advanced flow\n: Use the following guides to integrate with 3D Secure 2, selecting the platform (Web, iOS, or Android) and integration type (Drop-in or Components) that corresponds to your online payments integration. For an API-only integration, use the following guides to integrate with our pre-built 3D Secure 2 Component or Action Component.\n\n\nNative 3D Secure 2Provide a better shopper-experience by performing 3D Secure 2 authentication in your website or mobile app.Redirect 3D Secure 2The fastest way to support 3D Secure 2, redirecting the shopper to another site to verify the payment.\n\n\nTo build a Native 3D Secure 2 integration with Checkout API v46 or earlier, follow the integration guide for earlier versions.\n\n3D Secure 2 authentication flows\nWhen you have implemented native 3D Secure, 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.\nFrictionless flow\nIn a frictionless flow, the acquirer, issuer, and card scheme\u00a0exchange all necessary information in the background through passive authentication using the shopper's device fingerprint. The transaction is completed without further shopper interaction.\n\n\n  \n\n\nChallenge flow\nIn a challenge flow, the issuer requires additional shopper interaction, either through biometrics, two-factor authentication, or similar methods based on\u00a0SCA authentication factors.\n\n\n  \n\n\nOther 3D Secure flows\nBesides the standard 3D Secure 2 implementation options, there are additional 3D Secure flows that you can use with or without an existing 3D Secure 2 integration.\n\nAuthorization-onlyUse a third-party 3D Secure 2 provider, and perform the authorization request with Adyen.Data-onlySubmit a 3D Secure 2 request without requesting for an authentication. Only available for Visa and Mastercard.Standalone authenticationSubmit a 3D Secure 2 request to perform authentication and receive authentication data you can use to authorize the payment later.\n\nSee also\n\n\n                    PSD2 SCA compliance guide\n                \n                    3D Secure for regulation compliance\n                \n                    Dynamic 3D Secure\n                \n","type":"page","locale":"pt","boost":18,"hierarchy":{"lvl0":"Home","lvl1":"Online payments","lvl2":"3D Secure 2 authentication"},"hierarchy_url":{"lvl0":"https:\/\/docs.adyen.com\/pt","lvl1":"https:\/\/docs.adyen.com\/pt\/online-payments","lvl2":"\/pt\/online-payments\/3d-secure"},"levels":3,"category":"Online Payments","category_color":"green","tags":["Secure","authentication"]},"articleFiles":{"3ds2-component-challenge.png":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-challenge.png\" \/>","3ds2-component-frictionless.png":"<img alt=\"\" src=\"https:\/\/docs.adyen.com\/user\/pages\/docs\/02.online-payments\/19.3d-secure\/3ds2-component-frictionless.png\" \/>"}}