> For the complete documentation index, see [llms.txt](https://docs.payments.thalescloud.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.payments.thalescloud.io/3d-secure/3d-secure.md).

# 3D Secure

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.

<a href="/pages/LCvmjINKzRyuhR8HTuky" class="button primary">Explore Docs</a>

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### **Optimized authentication for modern issuers**

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#### **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.

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#### **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.

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#### 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.
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#### **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
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<div align="left"><figure><img src="/files/j0hXDtU9E4tPU3yjGZnz" alt="" width="101"><figcaption></figcaption></figure></div>

### **Roll out the next generation of 3-D Secure**

<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><img src="/files/0muRanP36K8w9C7euWaX" alt=""></td><td><strong>Customizable Risk Decision Engine</strong></td><td>Adjust thresholds and authentication rules to fit your portfolio and regional compliance needs.</td></tr><tr><td><img src="/files/Hv1FeOq9mgnmm7Dp0RtM" alt=""></td><td><strong>Out-of-Band Authentication</strong></td><td>Integrate instantly with Thales’ FIDO biometric option or use your own strong customer authentication (SCA) method.</td></tr></tbody></table>

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<table data-card-size="large" data-view="cards"><thead><tr><th></th><th></th><th></th></tr></thead><tbody><tr><td><img src="/files/zyzhKrk0q07W0g43vkmb" alt="" data-size="original"></td><td><strong>One-Time Password by SMS</strong></td><td>Keep a simple and familiar experience for all customers who are not using an issuer mobile app.</td></tr><tr><td><img src="/files/3QNMs6FMdKP2ncz8Ex0b" alt=""></td><td><strong>Transactions and Challenges Reporting Tool</strong></td><td>Monitor all 3DS operations in real time, track performance rates, and access detailed transaction data</td></tr></tbody></table>

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### Use Cases

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#### 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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### They trust us

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### <mark style="color:$primary;">Start Building</mark> with Thales

Accelerate your payment solutions and deliver secure, scalable experiences today.

<a href="https://lp.thalesgroup.com/dev-portal" class="button primary">Contact Us</a>&#x20;

&#x20;
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