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3D Secure

Authenticate once and take the result anywhere. Certified across major schemes, optimized for frictionless flows and built around your stack, not the other way around.
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Authenticate Once, Route Anywhere
Run EMV 3DS authentication once and authorize the payment with any PSP you work with, no matter how your stack is built.
Handle Exemptions Smartly
Apply 3DS only where it actually makes a difference. Flexible rules and exemption handling keep your approval rates high and your customers moving.
Certified Across Schemes
Certified directly with all major card schemes and always current on the latest 3DS versions, never depending on an intermediary.
Shift Liability
When a transaction is authenticated with 3DS, liability for fraud shifts to the issuing bank. Less risk on your side, more protection for your revenue.
Stop Fraud at Source
A single authentication step that stops unauthorized transactions before they reach authorization. Simple to add, meaningful in impact.
Stay Compliant
Meet PSD2 SCA requirements in Europe and equivalent regulations globally, without building custom compliance logic for every market.
No Compromises
Using PCI Proxy allows us to offer an end-to-end air-tight solution to our clients without compromising on security, scale, and quality.
Yoav Amitay
Technical Lead, Pattern
How it works.
Authenticate once. Authorize anywhere.
Authenticate the Cardholder
Authenticate your cardholder independently of authorization, so your 3DS logic never depends on which PSP processes the payment.
Get the Result Back
Authentication complete. We package the result and hand it back through one unified API response, ready to take anywhere.
Authorize anywhere
Take the verified authentication result to any PSP, gateway or acquirer you work with. One authentication layer, no boundaries.
Who we work with.
Authorize Across PSPsSmart Exemption HandlingMerchant Initiated Auth. (3RI)Choose Your Integration PathMaximize Frictionless
Authorize Across PSPs
Running 3DS across multiple PSPs and keeping authentication logic consistent is harder than it should be. Authenticate once with PCI Proxy and take the result to any PSP in your stack. The authentication layer that used to break every time your stack changed now holds together no matter what.
Smart Exemption Handling
Forcing authentication on every transaction costs you conversion. Skipping it incorrectly costs you compliance. PCI Proxy handles exemption logic based on country, value and risk settings so your customers move through without interruption.
Merchant Initiated Authentication
Subscriptions, top-ups and deferred charges happen without the customer present, but they still need to be authenticated. PCI Proxy supports merchant-initiated 3DS flows so you handle off-session transactions securely without disrupting your recurring payment logic.
Choose Your Integration Path
Most 3DS solutions force you into a single integration path that may not fit your stack. PCI Proxy gives you a standalone API, mobile optimized SDKs and web checkout components, so you pick the integration that works for your environment, not the other way around.
Maximize Frictionless Approvals
The difference between a challenge and a frictionless approval often comes down to the data sent during authentication. PCI Proxy gives you full flexibility to send every optional 3DS parameter available, so more transactions get through without interrupting your customer.
Meet the Suite.
Fully composable
payments solutions
Token Vault
Customizable tokenization and de-tokenization components.
Network Tokens
Provision smarter tokens that lift auth rates, reduce fraud and update automatically.
Payment Gateway
Use one unified integration to orchestrate payments across 25+ card acquirers.
Card Intelligence
Transform tokens into insights that sharpen routing, fraud and acceptance decisions.
FAQ:
Which card schemes do you support?
Mastercard, Visa, American Express, Diners, Discover, Union Pay, Dankort, JCB, Carte Bancaire and more. We connect directly to every major scheme so authentication is fast, current and never dependent on an intermediary.
Can I use 3DS as a standalone?
Yes, completely. If authentication is all you need right now, start there. No obligation to take anything else and no pressure to grow into the full stack unless it makes sense for you.
How do you handle SCA exemptions?
We identify automatically when a transaction qualifies for an SCA exemption — low value, low risk, country specific thresholds — and request frictionless authentication on your behalf. Your customers move through checkout without interruption and you stay fully compliant without lifting a finger.
What frictionless rates do your customers typically see?
It depends on your transaction profile, region and issuer behaviour, but our customers typically see frictionless rates of 70 to 85 percent. The more optional data fields you send during authentication, the higher that number tends to be.
How does 3D Secure protect me from fraud and liability?
Two ways. Authentication stops fraudsters before the transaction reaches authorization. And when a transaction is successfully authenticated, liability for any fraud shifts to the issuing bank, not you. Fewer fraud losses and fewer chargeback disputes, at the same time.
Does your 3DS work with my existing PSPs?
Yes. Our 3DS sits as a separate authentication layer alongside your existing providers without replacing anything. We authenticate the cardholder, return the result and you take it to whichever PSP you work with. Your existing setup stays exactly as it is.
Easy, quick and without risk.
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