How does 3D Secure work?

During the checkout process, if the cardholder is enrolled in 3D Secure, the issuing bank will decide whether the cardholder's identity can be verified using data supplied regarding the cardholder and their device, or if an additional authentication is necessary, the SDK will begin a process provided by the issuing bank to verify the cardholder’s identity. This is done before the transaction is sent through for processing via a security check utilizing risk based authentication. 

​To make getting started easy, we have built a Javascript SDK for 3DS 1.0 & 3DS 2.1. Currently, our solution functions as a hybrid and will trigger the appropriate version of the protocol. Factors that determine the version include the issuing bank, gateway, and processor involved in the transaction.