Easy online authentication with 3D Secure

Reduce fraud, increase conversion and enable customer-friendly authentication with 3DS2. We're ready for PSD2, are you?

authentication is changing


By September 14, 2019, businesses will need updated authentication technology to comply with PSD2 SCA legislation.

Rest of the world

AusPayNet are in consultation to develop the CNP Fraud Mitigation Framework. Beyond meeting regulation mandates, upgrading to 3DS2 brings better performance and online experiences.

Authentication explained


The Revised Payment Services Directive is a European directive that creates a more open, competitive and secure payments landscape across Europe. SCA requirements are part of PSD2.


Strong Customer Authentication is strong when it has two out of three elements: something you know like a password, something you own like your phone and something you are like a fingerprint.


3D Secure 2 is the authentication solution that creates better shopper experiences while reducing fraud. Your customer gets a simple step in the payment process to allow the issuer (bank) to check whether the shopper is, who they say they are. Or in some cases, they may not need authentication due to exemptions.

How 3DS2 looks

See the improvements from 3DS1 to 3DS2.



Adyen 3DS2

Making authentication easy.

Increase conversions and reduce fraud

Authentication is completed behind the scenes or with simple customer inputs for more conversions. And every transaction is routed based on fit to regulation, risk assessment and policies specifically for your business.

Person making strong customer authentication payments

Effortless customer experiences on any device

Keep your customers happy and active when paying by card at the checkout. Say goodbye to redirects and hello to friction-free payment flows. Regulation is automatically triggered and challenge flows are seamless across bank and merchant environments.

Get PSD2 ready in weeks

From plug and play integration options to fully customized solutions - we’ve got you covered. Our 3DS2 solution can be implemented standalone or as part or your Adyen solution, so you know you’re covered.

Person making a payment

Fully certified and adaptable

As an EMVCo Technical Associate we know all the information connected to EMV® specifications so you can adapt your setup before anyone else. 3DS2 works with all partners who meet the EMVCo™ Certified specification.

Easy integration options

Easy integration options

Checkout API

Once you’re on our API, simply add the 3DS2 Component. The pre-built UI gets you up and running quickly for PSD2 but you still have full customization control.

Checkout SDK

Our SDK is drop-in ready and will support 3DS2 automatically. Just update the version to get native mobile and smarter redirect web experiences.


3DS2 is added into all of our certified in-house built plugins for Magento 2, SAP Commerce Cloud (Hybris), Salesforce commerce cloud.

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