3D Secure

Securing Payment Seamlessly

3D Secure

3D Secure

Harnessing the Power of Payment Orchestration to Enable Seamless & Secure Payments globally.

Elevate your cardholder’s online shopping experience with HiTRUST’s offering of 3D secure (3DS) solution. Our innovative solution offers merchants and consumers alike, secure transactions against fraudulent activities while maintaining user convenience.

With 20 years of experience in EMV 3D Secure authentication technology, HiTRUST has become a leading 3D secure provider, offering effective solutions to safeguard online transactions. Our commitment lies in providing reliable EMV 3DS Server and 3DS ACS (Access Control Server) solutions, ensuring seamless authentication processes.

For Acquires

3DS Server

For merchants & Payment Processors

For Issuers


For Issuers & Card Processors

Wide-Ranging Support for Multiple Card Schemes

HiTRUSTacs is widely certified by the 6 major global card schemes and the EMVCo. Our ongoing commitment is to ensure the highest security and Compliance standards globally. 

Card Schemes Supported

3D Secure supported Card Schemes

Compliance and Certification


Multiple authentication model

Archive SCA with offering multiple authentication modes to your cardholders.
3D Secure OTP


  • One extra layer of Protection
  • Easy to implement

3D Secure with OOB


  • Enhanced Security
  • Mitigation of Phishing Attacks
  • Protection Against SIM-Swap Attacks
  • Improved User Experience

3D Secure with FIDO

Go Passwordless

  • Future of authentication with cutting edge tech
  • Protection Against latest Fraud trends
  • Simplified User Experience with unmatchable security
  • Lower cart abandonment rate with instant check out process

Powerful Admin Dashboard

Our 3DS ACS and 3DS Server offer powerful dashboard offering bird eye view.


3D Secure API Testing

Simplifying 3D Secure testing for issuers and acquires.
Trust HiTRUST for a smooth and reliable deployment of your 3D Secure solution.

Leverage HiTRUST’s robust testing environment. Test 3DS APIs seamlessly with your Card Management System provider and Hardware Security Module (HSM) to ensure seamless integration and optimal performance. Our systematic implementation and testing plans, including System Integration Testing (SIT), User Acceptance Testing (UAT), and Production Integration Testing (PIT) if necessary, provide a structured approach to validate your 3DS implementation thoroughly.

Experience the power and reliability of HiTRUST’s robust Sandbox for comprehensive 3D Secure testing. Our Sandbox provides everything you need, including ACS, 3D Server, an advanced Merchant simulator, and Merchant demo apps for both iOS and Android. With our Sandbox, you can confidently perform all test scenarios before your system goes live.

HiTRUST provides an in-house developed merchant simulator, offering extensive customization options for 3D Secure testing. Our simulator allows you to finely tune parameters such as card and shipping details, 3DS message category, 3DS Requestor Authentication Indicator, Device Channel, passwordless authentication scenarios and much more.

Our comprehensive networking testing ensures that all 3D Secure APIs are configured correctly within your network and firewall. With meticulous attention to detail, we verify that every aspect of your 3D Secure API setup aligns seamlessly with your network infrastructure, guaranteeing optimal performance and security. 

Enroll any card scheme and BIN range seamlessly into our 3D Secure testing environments with ease. Our flexible platform allows you to effortlessly incorporate various card schemes and BIN ranges, ensuring thorough testing across a diverse range of scenarios for comprehensive validation of your 3D Secure implementation.

Simulate every conceivable transaction scenario effortlessly with our test environment. From both Payment authentication (PA) and Non-payment Authentication (NPA) transactions with implemented challenge methods, including OTP and Out-of-Band (OOB) authentication, our platform ensures thorough testing across the spectrums.

Receive a detailed and comprehensive 3D Secure tests report from HiTRUST prior to going live.

3DS Testing

Supported Authentication Channels

Browser (PA & NPA)
App (PA & NPA)

Pre-defined Test Scenarios

Authentication success - frictionless (Y)
Authentication Challenged - challenge (C)
Authentication failed (N)
Authentication Rejected (R)

3D Secure with RBA

Intercept active as well passive fraudulent activities in real time with AI/ML Fraud Risk Detection System Solution.


Secure any payment

E-commerce and online transactions are growing, followed by opportunities for fraudulent transactions. Worry not! Seamless 3DS is available for all of your clients. Besides our 3DS server, all payment options are safe with a comprehensive Access Control System (ACS).

PCI-DSS Certified

Our features support card enrolment maintenance, card and payment request authentication, and cardholder notification. Getting on board with us ensures full compliance with PCI-DSS requirements.

Seamless experience

As a business, you always want to provide customers with the most secure way to pay online, but at the same time give them a convenient and hassle-free shopping experience. With our 3DS, everything is possible!

3D Secure, ACS, 3DSS
Card schemes

Visa / Mastercard / JCB Unionpay / AE / Discover

HiTRUSTacs is widely certified by the 6 major global card schemes and the EMVCo.

3D Secure

3-D Secure 2.x ready

From 3DS version 2.0, a frictionless checkout flow is available without customer involvement.

Risk Management

Integrate with AI Risk Management

AI Risk Management provides a comprehensive protection for adopters and can be integrated with our 3DS solutions.

HiTRUST 3-D Secure

3D Secure 2.2 Provider

New in version 2.2

  • Smart Whitelisting for trusted accounts
  • Decoupled Authentication allows a grace period
  • Intuitive interface for all users

3D Secure provider with RBA

For you

  • Real-time multi-layered fraud detection system
  • Admin system to manage and monitor permissions and performance
  • Customizable risk decision models
  • Flexible implementation

3D Secure for Cardholders

For your customers

  • Quick notifications
  • Multiple authentication methods
  • Frictionless checkout process


Safe & flexible, fast & stable

In recognizing the growing demand for enhanced payment security, HiTRUST offers flexible implementation modes tailored to your needs.

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Cloud Service

Beyond the physical, to the cloud

To meet the demands of global clients, our service landscape continues to evolve into a cloud services model. You can easily integrate with our system via the standard APIs without the costs of hardware and labor.

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HiTRUST - Your Trusted 3-D Secure Provider

In digital transactions, security is highly important. HiTRUST Over the years, HiTRUST has invested heavily in various research studies and analyses in the field and has become leading 3-D secure providers, offering effective solutions to safeguard online transactions. Our commitment lies in providing reliable EMV 3DS ACS (Access Control Server) solutions, ensuring seamless authentication processes.

Elevate your security experience with HiTRUST's offering of EMV 3D secure service. Our innovative solutions support merchants and consumers alike, secure transactions against fraudulent activities while maintaining user convenience.

EMV 3D Secure SaaS and On-Premises Solutions

HiTRUST brings you flexible EMV 3D Secure SaaS and on-premises solutions customized to your business demands. Our solutions ensure comprehensive protection without compromising on scalability and performance.

State of the Art Payment Security Solutions

Experience enhanced security with HiTRUST's Payment Security Solution. We engineer innovative solutions to combat evolving threats, safeguarding transactions across diverse channels and devices. Entrust our expertise to mitigate risks and foster a secure payment journey among your customers.

As the most reliant 3D secure provider, we prioritize innovation, reliability, and customer-centricity. Join us in revolutionizing payment security and embark on a journey towards safer digital transactions.