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Add Stronger Authentication to Online Payments.

3D Secure helps verify cardholder identity, reduce fraud exposure and shift liability for eligible online transactions.

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Secure online payment authentication

Businesses that Rely On 3DS

3DS is especially useful for online merchants where fraud, chargebacks and card-not-present risk can hurt approval rates and revenue.

eCommerce Merchants

Secure checkout, payment links and subscriptions for online sales.

Online Gaming

For game studios, publishers, esports organizations and gaming marketplaces.

Hospitality

For hotels, motels, inns and vacation rentals.

Airline & Charter

For private jet charter operators, brokers and aviation services.

Subscription Services

For memberships and recurring plans billed automatically.

Online Dating

For dating platforms selling subscriptions and in-app credits.

Online Education

For course creators and online schools selling programs.

And More

Ask about your business type and a specialist will check the fit.

Not Listed?

A specialist can match almost any business in one call.

Talk to a specialist

How 3DS can Increase Revenue

Straightforward guidance and modern tools, matched to how your business actually gets paid.

Enhanced Security

Verify customer identity before processing high-risk or suspicious payments.

Seamless Checkout

Modern risk-based authentication keeps legitimate customers moving.

Compliance Support

Support PSD2/SCA-style expectations and card-network authentication standards.

Fewer Chargebacks

Reduce unauthorized disputes and protect more approved revenue.

Everything You Need, Ready to Set up.

What MannyPay can configure for your business.

Request a quote
  • Customer Payment Initiation
  • Risk-Based 3DS Trigger
  • Issuer Authentication
  • Transaction Verification
  • Approval and Liability Protection
  • Chargeback Reduction
  • Online Gateway Compatibility
  • Mobile & Desktop Optimization
  • Visa Secure & Mastercard Identity Check Support
  • API & Hosted Checkout Integration
  • Approval and Liability Protection
  • Chargeback Reduction
  • Online Gateway Compatibility
  • Mobile & Desktop Optimization
  • Visa Secure & Mastercard Identity Check Support
  • API & Hosted Checkout Integration
  • Customer Payment Initiation
  • Risk-Based 3DS Trigger
  • Issuer Authentication
  • Transaction Verification
  • Visa Secure & Mastercard Identity Check Support
  • API & Hosted Checkout Integration
  • Customer Payment Initiation
  • Risk-Based 3DS Trigger
  • Issuer Authentication
  • Transaction Verification
  • Approval and Liability Protection
  • Chargeback Reduction
  • Online Gateway Compatibility
  • Mobile & Desktop Optimization

More from Payment Solutions

Payment Solutions

Explore online, retail, cost-reduction, high-risk, international, and fraud-protection payment options built around how your business sells.

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Online Payments

Secure online payment processing for eCommerce stores, mobile commerce, subscriptions, and digital services.

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Retail Payments

Flexible in-person payment acceptance with reliable terminals, modern POS systems, and clear reporting.

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Zero Cost Processing

Compliant pricing programs designed to help eligible merchants offset card-processing costs.

Learn more

Cash Discount

Offer customers a clearly disclosed cash price while maintaining a convenient card-payment option.

Learn more

Dual Pricing

Display card and cash prices side by side so customers can choose how they want to pay.

Learn more

Frequently Asked Questions

Still have a Question?

A MannyPay specialist can walk you through it, with no obligation.

Talk to a Specialistor call 1-844-MANNYPAY
What is 3D Secure?

3D Secure is an online card authentication protocol that verifies the cardholder before approval to reduce fraud and chargebacks.

Does 3DS slow checkout down?

Modern 3DS is often frictionless, with extra customer verification only when a transaction appears risky.

Can 3DS reduce chargebacks?

Yes. Verified transactions can lower unauthorized fraud exposure and may shift eligible fraud liability away from the merchant.

Is 3D Secure required?

Requirements vary depending on the card network, issuing bank, merchant location, and transaction type. Many businesses implement 3D Secure voluntarily to strengthen fraud prevention and improve payment performance.

Which card brands support 3D Secure?

3D Secure is supported by major global card networks including Visa Secure, Mastercard Identity Check, American Express SafeKey, Discover ProtectBuy, and JCB J/Secure.

Can MannyPay integrate 3D Secure with my existing gateway?

Yes. MannyPay supports 3D Secure integration across many leading payment gateways and ecommerce platforms, helping merchants implement authentication with minimal disruption.

Let’s Find the Right 3D Secure Setup.

Tell us a little about your business and a MannyPay specialist will recommend the right account, hardware, gateway and pricing. No obligation, no pressure.

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Beyond the Swipe

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