EMV 3DS
Understand EMV 3-D Secure cardholder authentication, distinguish authentication from payment authorisation and find enablement and integration guidance.
Use EMV 3-D Secure (3DS) to authenticate cardholders with their card issuer during online purchases.
EMV 3DS is a messaging protocol for cardholder authentication in card-not-present payments (payments made without presenting a physical card).
How authentication works
- Your integration supplies the customer’s device and browser information to N-Genius Online as part of the authentication flow.
- Authentication either proceeds without an additional customer challenge (a frictionless flow), or requires the customer to complete a challenge from their card issuer.
- Your integration checks the payment result after authentication and any subsequent payment authorisation.
Successful authentication does not guarantee that the payment is authorised. Confirm the payment result before treating the payment as successful.
Next steps
- Merchants: Contact your Network International relationship manager or E-Commerce Support to confirm that EMV 3DS is enabled on your account.
- Developers using Direct API: Follow the EMV 3DS integration reference for device-information collection, challenge handling and payment-result checks.
- Developers using hosted checkout or SDKs: Follow the documentation for your Hosted Payment Page, Hosted Session (Web SDK) or Mobile SDK integration for payment-response handling.
Updated 4 days ago
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