3D Secure

Intro

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)

API Response

The following fields will be visible in the API response to provide insight into 3DS transactions.

Field	Description	Value
three_ds_auth	This field indicates whether the transaction was processed using 3D Secure (3DS) authentication	True - the transaction was processed using 3DS authentication False - the transaction was not processed using 3DS authentication Null - transaction does not qualify for 3DS
three_ds_auth_path	This field specifies the path taken for the 3DS transaction	G - Green path, no customer verification required Y - Yellow path, customer verification required R - Red path, transaction declined (no customer verification attempted) Null - transaction does not qualify for 3DS