Overview
3D Secure (also known as 3DS or Secure 3D) is an additional layer of authentication designed to protect customers and merchants from fraudulent card transactions. It’s similar to two-factor authentication but specifically for credit and debit card payments.
When 3D Secure is enabled, cardholders may be asked to verify their identity — typically through:
- A one-time code sent via SMS or email, or
- Logging in to a secure portal provided by their card issuer.
This verification process helps ensure that the person making the payment is the legitimate cardholder.
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How 3D Secure Works
The 3DS process runs entirely through the payment gateway, not through Payments2Us directly.
When a customer submits payment on a Payments2Us checkout form:
- The form sends the transaction to your chosen payment gateway.
- If 3DS is enabled and required for that transaction, the gateway redirects the customer to complete verification.
- Once the customer completes verification, the gateway confirms the result back to Payments2Us for processing.
Payments2Us itself does not perform 3DS authentication — the feature is managed and controlled by your payment gateway provider.
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Why Use 3D Secure?
Enabling 3D Secure helps reduce fraudulent transactions and chargebacks by requiring cardholder verification.
Key benefits include:
- Improved fraud protection
- Compliance with card scheme security standards (e.g. Visa Secure, Mastercard Identity Check)
- Reduced liability for unauthorized payments
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Gateways Known to Support 3D Secure
The following gateways are confirmed to support or likely support 3D Secure authentication:
| Gateway | 3DS Support |
|---|---|
| Stripe SCA | âś… Yes |
| Windcave (PxPay) | âś… Yes |
| DataTrans | âś… Yes |
| Blackbaud | âś… Likely |
| PayPal | âś… Yes (handled by PayPal directly) |
| Ezidebit | ⚠️ Check with Provider |
| Authorize.Net | ❌ No |
| Global Payments | ❌ No |
| Windcave (Web Services) | ❌ No |
| NAB Transact | ❌ No |
⚠️ Note: 3D Secure support can change over time. Please confirm the latest status directly with your gateway provider, as Payments2Us does not control the implementation or enforcement of 3DS.
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Common Questions
Q: Can I enable 3DS from within Payments2Us?
No. Payments2Us does not manage or enable 3D Secure directly — this is done entirely by your payment gateway.
Q: Will 3DS appear on my checkout form?
That depends on your gateway. For example, gateways like Stripe and Windcave PxPay show a popup or redirect during checkout, while others handle it in the background.
Q: Do all transactions require 3DS verification?
Not always. The card issuer decides when to trigger 3DS based on transaction risk, card type, and user behavior.
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Summary
3D Secure adds an essential security layer for online card transactions.
While Payments2Us supports the flow for gateways that provide 3DS, configuration and authentication are managed solely at the payment gateway level.
We recommend confirming 3D Secure support directly with your gateway provider before enabling it.