Thales' 3-D Secure helps issuers balance fraud prevention and user experience with an advanced Access Control Server (EMV 3DS v2.3.1). Designed for flexibility, it adapts to your risk strategy and card programs with intuitive rule settings and pre-built authentication options.

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Optimized authentication for modern issuers

Reduce false declines and unnecessary step-ups

Leverage our Risk Decision Engine to authenticate genuine transactions without friction. Challenge only when needed and recover revenue otherwise lost to false positives.

Reduce direct fraud costs and operational overhead

Block fraud earlier in the payment flow to avoid chargebacks, dispute fees, and manual reviews — all while reducing false declines and preserving approval rates.

Enhance cardholder trust and satisfaction

Increase seamless experiences and deliver fast, secure, and passwordless authentication experiences using FIDO-based biometrics or familiar One-Time Password (OTP) by SMS.

Stay ahead of evolving fraud tactics

With monthly compliance and security updates, ensure your authentication strategy evolves in sync with scheme requirements and emerging fraud typologies

Roll out the next generation of 3-D Secure

Customizable Risk Decision Engine

Adjust thresholds and authentication rules to fit your portfolio and regional compliance needs.

Out-of-Band Authentication

Integrate instantly with Thales’ FIDO biometric option or use your own strong customer authentication (SCA) method.

One-Time Password by SMS

Keep a simple and familiar experience for all customers who are not using an issuer mobile app.

Transactions and Challenges Reporting Tool

Monitor all 3DS operations in real time, track performance rates, and access detailed transaction data

Use Cases

Combine with Dynamic CVV to sell security as a product experience

Pair 3-D Secure with Digital Dynamic CVV (DCVV) to create a stronger authentication layer. When synchronized, DCVV acts as the initial trust signal, reducing 3DS step-ups and minimizing abandoned checkouts. The result: higher approval rates, fewer false declines, and a frictionless payment flow.

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