3DS and Strong Customer Authentication

3D Secure is an authentication protocol to improve the exchange of online transaction data and protect consumers. It helps merchants meet the EU’s Strong Customer Authentication (SCA) requirements in place since 2019

The importance of 3D Secure

With the European Union’s Strong Customer Authentication (SCA) standards now mandatory for all online transactions in Europe, card issuers and banks must implement two-factor authentication for all card payments. Part of the EU’s Payment Security Directive 2 (PSD 2) regulations, SCA is intended to better protect consumers from fraud and abuse, and applies whenever an EU-based shopper makes a payment.


While some exemptions apply, merchants shouldn’t rely on these exemptions when it comes to accepting online payments in Europe. By adhering to the most secure flows, merchants can ensure the highest approval rates and reduce the risk of a transaction being declined due to non-compliance.


Under the previous regulations governing payment security in Europe, a protocol known as 3D Secure 1.0 was used in order to verify digital payments. With the new regulations, 3D Secure 2.0 is an updated version of the protocol that makes it easier to collect and process customer payment information in accordance with SCA requirements.

3D Secure 2.0 and your business

Here’s how PayU helps merchants maintain high payment security standards and comply with the latest SCA requirements.
3D secure info

3D Secure FAQ (5)

What is 3D Secure and why is it important?

3D Secure is a security protocol for online card payment transactions designed to protect consumers from fraud and unauthorized transactions. It is important because it helps ensure that the person making the payment is the actual cardholder, thereby enhancing the security of online payments.

What is the difference between 3D Secure 1.0 and 3D Secure 2.0?

3D Secure 1.0 was the original version of the protocol, while 3D Secure 2.0 is its modernized version. 3D Secure 2.0 introduces enhanced features and streamlines the authentication process, improving both user experience and security.

How does 3D Secure protect my payment information?

3D Secure protects your payment information by introducing additional authentication steps during online payments. This includes passwords, SMS codes, or biometric data, making it more difficult for your payment card to be misused.

Who uses 3D Secure?

3D Secure is used by merchants, banks, and payment processors to secure online transactions. It can also be activated by cardholders who desire higher protection.

How can 3D Secure help merchants?

3D Secure helps merchants by enhancing transaction security and reducing the risk of fraud. This can lead to increased customer trust and lower costs associated with chargebacks for unauthorized transactions.