EMV® 3-D Secure
Protect Payments While Simplifying Checkout
Reduce fraud risk, improve transaction approval rates, and deliver a safer, smoother payment experience with HiTRUST EMV® 3-D Secure.
Modern Payment Security Challenges
Balance Security and Customer Experience
As digital payments grow, so do the risks. Financial institutions must identify fraudulent payments while approving genuine ones to keep every transaction secure, compliant, and smooth for customers.
Growing Fraud Threats
Fraud attacks continue to grow in scale as fraudsters adopt increasingly sophisticated methods.
Authentication Fatigue
Reduce repeated OTPs that cause 20–30% of checkout abandonment and frustrate customers.
Regulatory Compliance
Meet evolving EMV® 3-D Secure and SCA requirements with a standards-compliant authentication solution.
Rising Customer Expectations
Deliver fast, secure mobile payments without adding unnecessary friction to the checkout experience.
Transaction Data for Informed Risk Decisions
Elevate Payment Security With Transaction Data
Every transaction provides valuable risk data. EMV® 3-D Secure brings together transaction, device, and contextual information to support real-time risk assessment.
01
Rich Transaction Context
Incorporate transaction data such as amount, merchant, payment context, and history.
02
Risk-Level Assessment
Use transaction context to determine the risk level of each payment.
03
Risk-Based Authentication
Apply the right level of verification based on each payment’s risk.
04
Secure, Smoother Payments
Reduce unnecessary friction for genuine customers and strengthen payment security.
Authenticate Your Way
From Traditional Verification to Seamless Passkey Solutions
Choose from a range of secure verification methods designed to fit your business needs and customer experience.
One-Time Password (OTP)
- Simple and easy to use
- Universally supported
- Familiar to customers
In-App Push Notification (OOB)
- Clear payment details
- Simple approve-or-decline flow
- Uses your existing mobile app
Passkey Authentication
- Phishing-resistant security
- Biometric payment approval
- No passwords or OTPs
Deeper 3-D Secure Analytics
Go Beyond Standard Reporting With InsightEdge
InsightEdge extends HiTRUST 3-D Secure with continuous monitoring and deeper analysis of system performance, authentication outcomes, and risk trends, giving institutions greater visibility into their operations.
Monitor 3DS Performance
- Track authentication activity and outcomes
- Monitor system performance and anomalies
- View service availability and status
Identify Emerging Risks
- Spot unusual transaction trends
- Detect suspicious authentication activity
- Monitor threats such as DDoS attacks
Optimize Authentication Efficiency
- Track authentication success rates
- Compare challenge rates and performance
- Identify unnecessary authentication steps
3-D Secure Solutions
Choose the Right Solution for Your Role
Whether you issue cards or enable merchants to accept payments, HiTRUST provides the 3DS component you need to secure online transactions and create a smoother payment experience.
ACS for Card Issuers
- For banks, card issuers, and issuer processors
- Verify cardholders based on payment risk
- Choose from OTP, OOB, FIDO/passkeys, and SPC
- Reduce fraud and friction while improving legitimate approvals
3DS Server for Acquirers
- For acquirers, PSPs, and payment gateways
- Connect merchants to 3-D Secure authentication
- Simplify integration across merchant networks
- Reduce fraud exposure and create a smoother checkout experience
Deployment Options
Designed to Fit Your Infrastructure
Choose cloud or on-premises deployment to align with your IT infrastructure, security strategy, and regulatory requirements.
Cloud Service Hosted by HiTRUST
- Deploy faster and accelerate time to market
- Scale seamlessly as your business needs evolve
- Simplify infrastructure management and ongoing maintenance
- Maintain enterprise-grade security and reliable service continuity
Hosted in your Environment
- Supports leading databases and enterprise IT environments
- Maintain full control over your systems, risk strategies, and data
- Integrate seamlessly with your existing systems and infrastructure
- Align with your data security, internal control, and regulatory requirements
Your Partner in Digital Trust and Security
Why Institutions Choose HiTRUST 3-D Secure
Leading financial institutions and growing fintechs partner with HiTRUST to secure online card transactions.
300+ Financial Institutions
HiTRUST supports more than 300 financial institutions worldwide, bringing extensive experience in 3DS implementation and long-term operations.
Broad Card Scheme Coverage
Support leading global card schemes, including Visa, Mastercard, American Express, JCB, and UnionPay, as well as regional schemes across different markets.
Expert Support at Every Stage
Work with experienced technical and implementation teams throughout integration, launch, and ongoing operations.
Connect with Regional Cloud Flexibility
Choose from HiTRUST’s regional cloud environments to align with your performance, data security, and regulatory needs.