3D Secure 2.2

Safeguard your transactions with PayShield and 3D Secure 2.2. The successor to the sometimes clunky 3D Secure 3D Secure 2.2 ensures a seamless, secure, and regulatory-compliant authentication process. 3D Secure 2.2. features a massively improved experience for users while minimising declined transactions and securing successful sales with fewer disputes.



What is 3D Secure 2.2?

3D Secure 2.2 is a pivotal advancement in transaction security and greatly improves upon the older 3D Secure system. This update delivers a smoother user experience, reduces authentication prompts, and introduces risk-based assessments and biometric support. Compliant with Strong Customer Authentication (SCA) regulations, it ensures secure, seamless, and context-rich transactions.

Enhanced User Experience

Streamlined authentication, fewer prompts, and faster processes for a smoother user journey.

Risk-Based Authentication

Issuers assess transaction risk, adjusting authentication requirements and offering a secure, yet convenient experience.

Biometric Authentication

Supports fingerprint and facial recognition, providing an extra layer of security and user-friendly authentication.


How 3D Secure 2.2 Works

Customer enters card details on the checkout page.

Authentication request with transaction and user data sent to the issuer.

Issuer assesses transaction risk and only issuers further prompts for high-risk transactions.

Associated Product


Part of PayShields 3D Secure suite, 3D-Send offers a robust solution that empowers merchants to send 3D Secure 2.2 enabled payment requests to customers via email or SMS. This innovative tool serves as a powerful weapon against Card Not Present fraud and provides protection and essential evidence when dealing with fraudulent customer claims (Friendly Fraud).

    • Secure Payment Requests
    • Fraud Prevention
    • Friendly Fraud Defense
    • Clear Customer Confirmation
    • Transaction Authorization and Evidence


    3D Secure 2.2

    PayShields 3D Secure 2.2 offering is designed to address the evolving challenges of transaction security. It offers a leap forward for merchants with features like risk-based authentication, biometric and 2FA support, and full compliance with SCA regulations. Merchants benefit from enhanced user experiences and greatly reduced friction at checkout. With PayShield and 3D Secure 2.2, businesses can achieve higher transaction success rates, fewer disputes, and increased customer satisfaction.

      • Enhanced User Experience: Streamlined authentication process for a smoother user journey.
      • SCA Compliance: Fully compliant with the European Union’s Strong Customer Authentication (SCA) regulations.
      • Contextual Data Sharing: Merchants can pass more than 100 data elements for intelligent risk scoring.
      • Future Proofing: SCA regulation is already active in Europe, poised to impact global markets.
      • Reduces Disputes: Greatly improves customer authentication leading to reduced fraud and fewer disputed transactions.

      Ready to integrate with 3D Secure 2.2?

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