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Reduce fraud, increase conversions and comply with PSD2.

Protect your online sales with Strong Customer Authentication

3-D Secure 2 (3DS2) provides Strong Customer Authentication (SCA) for online payments to protect you and reduce your exposure to fraud. 3DS2 is designed to deliver a frictionless payment authentication across all devices.


The revised European directive was established to benefit consumers by driving payment innovation and protecting data security and mandates new security processes.


SCA can reduce fraud by requiring merchants and issuers to validate consumers when they use electronic payment methods.

3-D Secure 2

The leading solution designed to satisfy the SCA mandate and creates better shopping experiences while reducing fraud.

Liability Shift

Fraud liability shifts from merchant to issuer when the 3DS authentication is successful, or the issuer decides to approve the authentication without SCA.

How 3-D Secure Works

3-D Secure 2 is an advanced authentication solution implemented to reduce eCommerce fraud by verifying a cardholder’s identity in real time. This additional layer of security helps prevent unauthorized use of cards and protects eCommerce merchants and issuers from exposure to fraud.

Increase profit margins by 6% on average by reducing fees.

With a single integration to the API you can:

Our API provides built-in support for 3DS. Whether you choose our hosted payment fields or client-side encryption, you simply enable 3-D Secure in your BlueSnap portal.

3DS comes built-in to our Hosted Pages so you can start accepting payments with SCA immediately.

BlueSnap’s Subscription engine handles recurring transactions that are out of scope for SCA.

3DS2 is enabled in our 3rd party integrations like Magento, Zuora, WooCommerce, Prestashop, and more so you can start taking payments immediately.

Maximize Conversions and Reduce Fraud

3-D Secure authentication will occur seamlessly on any device without disrupting the shopper or taking them out of the checkout flow.

3D Secure

Liability Shift


Fraud Scoring

Comply with PSD2

Easily implement 3D Secure 2 and be compliant with PSD2’s SCA requirements. Check out our quick guide to understanding PSD2, how it will affect your business and what you need to do about it to avoid a disruption in European Economic Area and UK sales.

Grow your sales with more built-in features

Payment Optimization

Grow your business with the highest-quality payment processing available. With connections to 30 banks around the world, BlueSnap’s All-in-One Payment Platform automatically routes transactions to the most appropriate local bank to increase payment authorization rates.

Fraud Prevention

Mitigate risk and capture more stress-free global sales. Backed by award-winning technology, our All-in-One Payment Platform offers customized fraud protection to meet your needs.

A complete, secure, online and mobile payment solution.

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