3D Secure (3DS) is a security protocol that provides an additional layer of security for online credit/debit card transactions. It allows an issuing bank to authenticate their cardholders during Card Not Present (CNP) transactions. If the authentication is successful, liability for fraudulent transactions shifts away from the merchant to the card issuer, reducing chargebacks to the merchant.
For more information about 3D Secure, see the main 3D Secure page and the 3DS Explained page.
The REST 2.0 3DS Guide consists of:
Last modified February 2025