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Payments
Finance automation
Get started
Payments
Finance automation
Platforms and marketplaces
Money management
Overview
About Stripe payments
    Overview
    Currencies
    Declines
    Payouts
    Recurring payments
    3D Secure authentication
      Authenticate with 3D Secure natively
      SCA exemptions
      Standalone 3D Secure
      Import 3D Secure results
      Writing queries
    Refund and cancel payments
    Balances and settlement time
    Receipts
    Handle webhook events
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HomePaymentsAbout Stripe payments

3D Secure authentication

Reduce fraud and meet regulatory requirements through 3D Secure (3DS) authentication.

3D Secure (3DS) is an authentication method that provides an additional layer of authentication for credit card transactions, protecting against fraudulent actors. 3DS asks your customers to verify their identity with the card issuer during payment. In most scenarios, you direct your customer to a verification page on their bank’s site where they type in a password linked to the card or a code sent to their phone. Customers might recognize this method through the card networks’ brand names, like Visa Secure and Mastercard Identity Check.

The Strong Customer Authentication regulation, as part of PSD2 in Europe and similar regulations in the UK, India, Japan, and Australia, might require using 3DS for card payments. 3DS is optional in other regions but you can still use it as a tool to reduce fraud.

Authenticate with 3D Secure natively

Integrate 3D Secure (3DS) into your checkout flow.

SCA Exemptions

Use SCA exemptions and Data Only to reduce cardholder friction on eligible transactions.

Standalone 3D Secure

Run 3D Secure on Stripe while processing the subsequent payment on a third-party gateway.

Import 3D Secure results

Process payments when 3D Secure (3DS) runs outside of Stripe.

Payment analytics

Learn how 3D Secure affects your payment success rate in the Dashboard.

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