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User enters card detail
Premium Plan
Monthly subscription
$39.00
Card number
5218 8519 4695 5484
Expiry
07 / 28
CVC
123
Pay $39.00
3D Secure shouldn't cost you conversion
EMV 3DS 2.3.1 Certified
PSD2 SCA-ready
Enterprise-grade scalability
Global coverage
Launch a 3D Secure flow that outperforms typical market authentication rates by up to 6 percentage points.
Who we serve
Designed for Acquirers, PSPs, PayFacs,
Designed for Acquirers, PSPs, PayFacs,
Merchants, Processors
023DS Server · 3ds.io
Corrects data formats, enriches missing fields, masks PAN, sends AReq
89%↑ 8.7%
Authentication success rateIndustry average: 83%
Validation Log
CORRECTEDcardExpiryDate→ 2609
ENRICHEDchallengeInd→ 02 (SCA)
MASKEDacctNumber5218 ****
Simple API Optimized & Sent · 127ms
03Issuer ACS
The bank scores signals and decides which transactions to challenge
75%↑ 7.2%
Frictionless rateIndustry average: 69%
Use your banking App to approve this payment
All set — your order is completed
We analysed 100M+ real transactions to build a solution that protects your conversion
Traditional EMVCo-based 3DS setups demand additional engineering, expertise, and time. We've handled all of it.
Method & Challenge hosting
Standard 3DS challenges shift critical logic to the browser, where edge cases silently kill conversion. We manage the full flow on our side, exposed via a simple URL.
Message optimization
Incomplete fields, invalid formats, and scheme-specific mismatches result in failed authentications and unnecessary challenges. We automatically validate, correct, and enrich every request.
ACS behavior solver
Issuer systems fail more often than users do. We handle inconsistent ACS behaviour automatically, so transactions complete instead of dropping off.
Automated challenge manager
Unnecessary 3DS challenges are one of the biggest drivers of drop-offs. We automatically apply the right SCA exemptions. Challenge rates fall, declines stay flat.
Simple API
From dozens
From dozens
of fields to a
simple request
EMVCo protocol make 3DS requests error-prone and costly for conversion. We reduce it to just a few fields to ensure high-conversion authentication.
If all you need is a standard API built on detailed EMVCo protocols and you already have the rest of the conversion-boosting capabilities, we can support that too.
Explore API →Simple API
curl -X POST https://api.3ds.io/v1/authenticate \
-H "Authorization: Bearer sk_live_••••••" \
-d {
"card_number": "5218851946955484",
"expiry_month": "07",
"expiry_year": "2028",
"amount": 3900,
"currency": "USD",
"merchant_id": "mid_9f3a12bc"
}EMVCo API
curl -X POST https://api.3ds.io/v1/authenticate \
-H "Authorization: Bearer sk_live_••••••" \
-d {
"card_number": "5218851946955484",
"expiry_month": "07",
"expiry_year": "2028",
"amount": 3900,
"currency": "USD",
"expiry_month": "07",
"expiry_year": "2028",
"amount": 3900,
"currency": "USD",
"merchant_id": "mid_9f3a12bc"
}
Reporting & Analytics
See your 3DS performance in action
Transaction log
$850 · Sarah Chen
FAILED
Reason
The cardholder did not complete the authentication challenge within the required time window.
$2,340 · Marcus Howell
REVIEW
Reason
Transaction flagged for manual review — issuer requested additional verification outside standard 3DS flow.
$490 · Priya Nair
AUTH OK
Result
Frictionless authentication completed successfully. No challenge presented to the cardholder.
See why transactions fail with human-readable responses
Raw 3DS error codes tell you nothing. We translate every response into plain language.
Find where you're losing revenue
Break down failed authentications by real causes: issuer behaviour, user drop-off, or technical issues.
Understand what drives your conversion
Track frictionless rate, challenge outcomes, and success rate — see what actually moves performance.
Metrics we track
83%
End-to-end authentication
success rate*
success rate*
Advanced message validation, fallback handling, and issuer-specific optimisation help maximise successful authentications across both low-risk and high-risk transactions.
62%
Industry average
frictionless rate*
frictionless rate*
3DS.io customers consistently outperform the market average. Optimised AReq data and scheme-aware orchestration help reduce unnecessary challenges before they happen.
75%
Challenge completion rate
across all card schemes*
across all card schemes*
Hosted challenge flows and resilient ACS handling reduce drop-offs during authentication, helping merchants preserve conversion when challenges are required.
Depends
on risk
level
on risk
level
Optimised exemption orchestration improves the likelihood of issuers accepting TRA and low-value exemptions, helping reduce unnecessary customer friction.
Compare your metrics to industry benchmarks and identify clear optimization opportunities.
*Based on EU data from the Ravelin Global Payments Report.
Value-added feature
Redirect
URL masking
Your internal payment endpoints stay hidden from issuers and ACS systems. We intercept the 3DS redirect, handle it through our infrastructure, and forward the customer to you without exposing your backend to third parties.
checkout.yourbank.com/pay/return
your endpoint
↓
auth.3ds.io/redirect/...
masked ✦
↓
acs.issuerbank.com/challenge
issuer / ACS
Pricing
One simple,
One simple,
predictable pricing plan
€500
per month
Get started
No setup fees. Cancel anytime.
50,000 transactions included — no per-transaction fee up to limit
EMV 3DS 2.3.1 certified — Visa, Mastercard, Amex
Global coverage — no geographic restrictions
Extra transactions: €0.01 or less — or higher volumes, contact us
For developers
Set up the 3DS Server in hours
1. Test the full flow before production
2. Go live without complex setup
3. Operate and optimize independently
Real 3DS Simulator
Validate everything end to end — frictionless and challenge flows, plus edge cases like timeouts, failed authentications, and non-standard ACS behavior.
Instant Access
Use a simplified API layer built on top of the EMV 3DS protocol, designed to eliminate scheme-specific complexity. The overall solution is developer-friendly.
Full Back Office
Manage 3DS API access, monitor transactions, track performance, and debug flows with protocol-level logs — without relying on external support.
3ds.io — Requests
Sandbox
05-03-2025 12:57smoothOK210 75dabe38-5631-41ab…297fdba7-5916-4760…test_key_1
05-03-2025 12:57authOK d94128d4-0f47-4695…297fdba7-5916-4760…test_key_1
05-03-2025 11:35smoothOK210 60b612da-4f53-4111…297fdba7-5916-4760…test_key_1
05-03-2025 12:46authOK210 7ab46024-0281-4625…3c034948-494c-4e2b…test_key_1
05-02-2025 12:42authOK210 0b9b12d4-f74a-688c…3c034948-494c-4e2b…test_key_1
Who we serve
Who actually needs 3DS.io
Acquirer Processors
Launch your own 3DS service without building it
Offer a managed 3DS solution to your acquirers as your own product, without investing in software development, certification, and ongoing maintenance.
Existing Acquirers & PSPs
Find out if 3DS is hurting your conversion
Identify whether your current 3DS setup is a source of drop-offs, and replace it with a flow that performs reliably.
New Acquirers & PSPs
Go live without building an additional stack
A turnkey solution that's easy to integrate and ready to perform without building or optimizing anything around it.
PayFacs & Merchants
Protect your infrastructure and business relationships
Mask sensitive URLs and endpoints during 3DS flows, keeping your processing setup private while maintaining a seamless user experience.
"Before, it was always a trade-off between fraud and conversion. Now low-risk flows through, high-risk gets challenged, and everything feels under control. We see higher approvals without taking on more risk."
Contact
Ready to boost your authorization conversion?
FAQ
Frequently asked questions
In a standard 3DS SDK flow, your merchant page is responsible for rendering the 3DS Method iframe, handling the ACS Challenge, and managing form POSTs — shifting critical flow logic to the client side. This breaks in mobile in-app browsers, SPAs, and environments where iframes or form POSTs are restricted. 3DS.io hosts both the Method and Challenge steps on our side. No iframes, no JavaScript, no form POSTs on your page.
Payment authentication conversion drops at several points in a standard 3DS flow. 3DS.io addresses each one: Message optimization corrects incomplete fields and invalid formats before they reach the scheme. ACS behaviour solver recovers payments lost to unreliable issuer responses. Challenge enforcer applies the right SCA exemptions to reduce unnecessary friction. As a result, you can outperform typical market authentication rates by up to 5 percentage points.
Message optimization is automatic validation, correction, and enrichment of every AReq and CReq before it reaches the Directory Server. Our service normalises malformed values, fixes missing fields, and enriches requests with optional data (browser metadata, account age indicators, shipping address match) known to improve frictionless rates and reduce drop-offs. All corrections are logged for full visibility.
3DS.io is built for acquirers, PSPs, PayFacs, merchants, and processors. Whether you need to integrate 3DS without building your own server, launch a managed 3DS server as a new service, or replace an underperforming setup, our experts handle certification, compliance, and ongoing complexity so your team does not have to.
You can set up the 3DS Server-to-Server flow in hours. Generate an API key, access the documentation, and go live. The simplified interface eliminates scheme-specific complexity, and a full simulator lets you validate the complete flow before production.
Redirect URL masking keeps your internal payment endpoints hidden from issuers and ACS systems. We intercept the 3DS redirect, handle it through our infrastructure, and forward the customer back to you — so your backend is never exposed to third parties. It protects your architecture from fingerprinting and keeps your integration details private.
Our Automatic Exemption Resolver evaluates every transaction against PSD2 SCA regulations and applies the appropriate exemption in the AReq without manual input. Supported exemptions: Low Value Payment (below €30), Transaction Risk Analysis (TRA), Trusted Beneficiary, and Secure Corporate Payment. If no exemption applies, the service falls back to standard authentication.
Every transaction is logged with a human-readable outcome instead of a raw 3DS error code. See why authentications fail, break down drop-offs by real cause — issuer behaviour, user drop-off, or technical issues — and track frictionless rate, challenge outcomes, and end-to-end success rate, so you always know what's moving your conversion.
One predictable plan: €500/month includes up to 50,000 transactions, no setup fees, cancel anytime. Additional transactions at €0.01 or less, with custom terms available for higher volumes.