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Evaluating 3DS: Is It Worth It?

Universal 3D Secure

A single 3D Secure layer across all your payment processors. Evervault’s EMVCo-certified server lets you control authentication, optimize performance, and go live in under an hour with a simple two-step setup.

EverBank

283-849 is the verification code...

Approve Payment

Enter the verification code we have sent to (123)-xxx-xx12 to authorize payment to EverPlant for $32.00.

2
8
3
8
4
9
You should receive the code within 30 seconds. If you do not receive the code, please click the button below to resend.Resend Code
Monstera Deliciosa
House Plant
Subtotal$20.00
VAT (20%)$4.00
Shipping$8.00
Total$32.00
Place Order
Authorizing...
Payment Successful
We will let you know as soon as your order is on its way
Replay

Go live in under an hour

Most 3D Secure implementations take weeks to build and require significant engineering effort. Evervault reduces this to two simple steps.

Without Evervault
Unable to reach directory server

7+ integration steps across multiple deployments, which can take weeks or even months of engineering work.

Evervault
Create a 3DS Session
Pass the session ID to our client SDK
const tds = ev.ui.threeDSecure('tds_57aa862f8bf7');
tds.on('success', () => {
console.log('3DS authentication complete!');
});
tds.mount();

One API call. Mount our SDK. We handle all orchestration, browser flows, challenges, and edge cases, so you don’t have to.

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Skip EMVCo complexity

3D Secure depends on detailed EMVCo protocols that are difficult to implement correctly and easy to get wrong.

Without Evervault
{
"acctNumber": "************4242",
"acctType": "03",
"deviceChannel": "02",
"mcc": "4011",
"merchantCountryCode": "372",
"acquirerBIN": "444444",
"purchaseExponent": "2",
"threeDSCompInd": "Y",
"threeDSRequestorAuthenticationInd": "01",
"threeDSRequestorChallengeInd": "05",
"acquirerMerchantID": "2020202020202020",
"browserAcceptHeader": "*/*",
"browserColorDepth": "32",
"browserIP": "37.228.206.193",
"browserJavaEnabled": false,
"browserJavascriptEnabled": true,
"browserLanguage": "en-GB",
"browserScreenHeight": "982",
"browserScreenWidth": "1512",
"browserTZ": "0",
"cardExpiryDate": "2609",
"merchantName": "Test Merchant",
"messageCategory": "01",
"notificationURL": "https://redirect.mysite.com",
"purchaseAmount": "1000",
"purchaseCurrency": "978",
"purchaseDate": "20251209171958",
"threeDSRequestorID": "10020202*TestMerchant",
"threeDSRequestorName": "3DSS_TestMerchant",
"threeDSServerOperatorID": "10085939",
"threeDSServerTransID": "d479e672-787a-4d19-aa70-e60e71521afa",
"transType": "01"
}

Traditional 3D Secure servers require you to construct full authentication messages with dozens of fields.

Evervault
{
"merchant": "merchant_eead1d640d7c",
"payment": {
"type": "one-off",
"amount": 250,
"currency": "eur"
},
"card": {
"number": "4242424242424242",
"expiry": {
"month": "09",
"year": "26"
}
}
}

We handle the EMVCo protocol for you, so you don’t have to learn the spec or deal with its quirks.

Keep users in your checkout flow

Redirect-based challenge flows open issuer pages in new tabs, breaking checkout experience, adding latency, and driving cart abandonment. Evervault embeds challenges directly in your checkout flow with fully customizable inline modals, supported on browser and mobile.

Make sense of your 3DS authentication data

3D Secure data is notoriously inconsistent. Every ACS, directory server, and issuer can return different codes, formats, and error messages. Evervault helps you make sense of all this.

Granular 3DS data

You get full access to all authentication-related data along with a chronological log of every authentication event, showing exactly where failures occur and why in plain language.

Session created
One-time $12.50 payment initiated by customer
Action required
Issuer requires a challenge to be performed
Areq sent
IP Address192.168.1.1
BrowserChrome 139.0.0.0
SDKReact
Ares received
FlowChallenge
Challenge completed
Issuer verified the challenge was successfully completed
Succeeded
Issuer has authorized the payment
$230
John Doe
Unauthorized
ReasonThis transaction was declined by the issuer because it was flagged as potential fraud.
$850
Sarah Chen
Failed
ReasonThe cardholder did not complete the authentication challenge within the required time window.
$1200
Marcus Webb
Do Not Honor
ReasonThe issuing bank has declined this transaction. The cardholder should contact their bank for details.

Human-readable responses

All responses are normalized into consistent human-readable responses with context to help you understand what happened with each authentication request.

Challenged
74%
4,395 Sessions
Frictionless
26%
1,895 Sessions

Perfomance analytics

Pre-built graphs display key performance metrics like success rates, failure reasons, and frictionless vs. challenge flow distribution so you can diagnose issues and optimize performance faster.

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Drayton Williams

Director of Fraud Prevention, FlightHub

Mark Howarth

Product Manager, Duffel

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Drayton Williams

Director of Fraud Prevention, FlightHub

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Drayton Williams

Director of Fraud Prevention, FlightHub

Mark Howarth

Product Manager, Duffel

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Frequently Asked Questions

Authenticate payments, shift liability, reduce fraud.

Get global coverage with all major card brands and latest EMVCo standards. Our multi-region active-active infrastructure with automatic failover keeps your payment system online.

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