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3D-Secure

Flexible and universal 3D-Secure

Evervault’s standalone 3D-Secure Server lets merchants and payment service providers authenticate payments, shift liability and comply with regulations like Strong Customer Authentication.

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EverBank

283-849 is the verification code...

Approve Payment

Enter the verification code we have sent to (123)-xxx-xx12 to authorize payment to EverPlant for $32.00.

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You should receive the code within 30 seconds. If you do not receive the code, please click the button below to resend.Resend Code
Monstera Deliciosa
House Plant
Subtotal$20.00
VAT (20%)$4.00
Shipping$8.00
Total$32.00
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Maximize revenue by authenticating your payments

Evervault’s 3D-Secure API lets you implement a 3DS authentication flow on mobile or web so you can easily comply with regulations, shift liability, and reduce fraud.
Comply with regulations
3D-Secure is mandatory under regulations like PSD2 in Europe and required by banks and financial institutions across the world. Use Evervault to implement 3D-Secure once and comply globally.
Shift chargeback liability
By authenticating transactions with 3D-Secure, the liability for fraudulent chargebacks shifts from you (the merchant or service provider) to your customer’s issuing bank. Minimize fraudulent chargebacks and maximize revenue.
Reduce fraud
3D-Secure is used to verify that the person performing a transaction is the legitimate cardholder. Use Evervault’s 3D-Secure API to seamlessly authenticate your customers, taking advantage of the frictionless flow in 3D-Secure 2.0 to maximize conversion rates.

High-converting, developer-friendly 3D-Secure

Evervault’s 3D-Secure API provides a clean and simple experience for customers authenticating with 3D-Secure, as well as developers implementing 3D-Secure.

Initiate a session

Pass payment information to Evervault’s 3D-Secure API to initiate a 3D-Secure session. We’ll communicate directly with the Directory Servers (card networks) on your behalf and retrieve a 3D-Secure Cryptogram, optimizing for a frictionless flow where possible.

Authenticate your customers

Simply pass a 3D-Secure Session ID to our browser or mobile SDKs and we’ll automatically display the challenge flow from the customer’s bank so they can verify their identity using biometrics, SMS, OTPs, or any other authentication flow that’s supported under 3D-Secure 2.0.

Process a payment

Evervault provides you with a 3D-Secure Cryptogram and Electronic Commerce Indicator (ECI) that you can use with any acquirer, payment processor, or payment gateway. Liability for fraudulent chargebacks shifts from you to your customer’s bank, and your payment is fully SCA-compliant.

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Client

Integrate 3D-Secure once, use everywhere

Evervault’s 3D-Secure API is fully compliant, with a great developer experience and an even better user experience.
Acquirer-agnostic
Evervault’s 3D-Secure API can be used to perform 3D-Secure independently of any payment gateway, processor, or acquirer. You can implement 3D-Secure once and process a payment anywhere.
Direct-to-scheme
Our 3D-Secure Server is integrated directly with all major schemes and is not a wrapper on alternatives like CardinalCommerce. We currently support authentications on Visa, Mastercard, American Express, Discover, JCB, UnionPay and Carte Bancaires.
EMVCo approved
Evervault is an EMVCo member organization and our 3D-Secure API is fully approved by EMVCo and compliant with PCI 3DS.
Fully customizable
Our client-side 3D-Secure SDK is fully customizable and the design can be customized to fit neatly within your existing page or app designs.
Great UX
Our optimization engine optimizes your 3D-Secure authentications to ensure frictionless authentications are utilized as often as possible. When a challenge is required, the default styling is designed to maximize conversion rates.
Easy to integrate
Implementing 3D-Secure and considering all of the edge-cases and challenge flows is complex. Our 3D-Secure API is built for developers and simple by design — while still exposing low-level configuration options for advanced use cases.

Authenticate your payments, shift liability, reduce fraud.

Use Evervault’s 3D-Secure API as a single integration to perform payment authentication globally, and process payments with any third-party acquirer.