3D Secure
Protect online card payments with an extra security layer – without rebuilding your checkout.
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What is 3D Secure with Fenige?
3D Secure is an authentication protocol that adds an additional security step to card-not-present transactions. The system asks the cardholder to verify their identity (for example, with a one-time code, mobile app, or biometric check) before the payment is finalized.
Fenige uses 3D Secure:
E-commerce Acquiring for consumers’ payments
Money Transfer funding transactions with additional protection
Where it fits in your stack
3D Secure is relevant if you:
Accept Online Card Payments
through Fenige’s E-commerce Acquiring solution or PaymentHub
Operate a Platform or Marketplace
as Payment Facilitator and need secure payment flows
Originate Money Transfer transactions
where issuers or regulations require strong authentication
Must Comply with PSD2 SCA or Similar Regulations
operate in regions where PSD2 Strong Customer Authentication (SCA) and similar rules expect 3DS for online payments.
You keep your existing checkout and business logic; Fenige provides the 3DS rails and handles the protocol details with Visa Secure, Mastercard Identity Check and other scheme programs that are based on the 3D Secure standard.
Key benefits
Stronger security for online payments
3D Secure adds an extra verification step on top of payment credentials. This significantly increases transaction security and helps prevent unauthorized transactions.
Helps you meet SCA requirements
In Europe and other regulated markets, SCA under PSD2 requires two-factor authentication for card-not-present transactions. 3D Secure is the standard way to meet these regulations and reduce compliance risk.
Better customer trust
Educational content on
fenige.com explicitly recommends 3D Secure as a key protection for safe online payments. Using it shows customers that you take security seriously, which supports higher trust and repeat purchases.
Modern 3DS 2.x experience
Fenige powers dynamic 3D Secure 2.x, which supports a frictionless flow for low-risk payments. Compared to the old 3DS 1.x, this makes the experience smoother and more mobile-friendly while still adding security.
No need to run your own 3DS server
Fenige’s E-commerce Acquiring & 3D Secure suite is a complete solution based on Fenige’s API – there’s no need to build your own processing or get separate scheme certifications for 3DS.
How 3D Secure works with Fenige
Customer starts a payment
The customer enters card details or pays with a tokenized card / wallet (for example, Google Pay via PaymentHub).
Fenige checks if authentication is needed
Based on card-scheme rules, issuer requirements and regulatory context, Fenige determines whether the transaction requires a 3D Secure authentication step.
Issuer authenticates the cardholder
If authentication is required, the system prompts the customer to confirm the payment (for example, with an SMS code, bank app push, or biometric check). The verification requests propagates from the acquirer, through the card-scheme, and reaches the issuer who completes the validation process. Only a positive result of the 3-D Secure Procedure allows the transaction to proceed.
Fenige completes or declines the transaction
Fenige receives the 3DS result from the issuer and either completes the authorization or rejects the transaction if authentication fails.
Want to secure your online card payments with 3D Secure and stay compliant?
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