3D Secure (3DS) is a security protocol designed to better authenticate cardholders performing Card Not Present transactions. This feature provides issuers with enhanced data elements that allows for smarter authorization and authentication practices. It also supports additional customer verification flows when needed, such as multi-factor authentication.
All 3DS transactions will follow one of three paths - 1) Green, 2) Yellow or 3) Red.
- Green Path - no customer verification required
- Yellow Path - customer verification required
- Red Path - transaction declined (no customer verification attempted)
The following fields will be visible in the API response to provide insight into 3DS transactions.