Platform

3D Secure

Create tailored authentication experiences and reduce online fraud — while meeting regulatory requirements
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Own the authentication experience

Authenticate cardholders in a way that is right for your business, such as using your own mobile app.

Reduce cardholder drop-off

Leverage frictionless flow so you don’t have to require extra verification from cardholders on every transaction.

Minimize additional integration and cost

Authenticate cardholders and authorize transactions on one unified platform without having to manage multiple vendors.

What is 3D Secure?

3D Secure (3DS) makes e-commerce more secure by requiring cardholders to complete an additional verification step with the card issuer at the time of payment on certain transactions.

Delegated decisioning

Marqeta will delegate decisoning to your internal risk systems to determine when to challenge a 3DS transaction, giving you complete control to use your own business logic and data.

Automated decisioning service

Build your 3DS decisioning rules within the Marqeta platform to automatically respond to 3DS requests and take advantage of exemptions such as low-value and recurring transactions.

Advanced authentication

In addition to one-time passwords (OTP), leverage advanced authentication methods such as biometric within your own mobile app to fully customize the cardholder experience.

Our customers expect a seamless checkout experience with our mobile app and we knew we needed to find a solution that would help us reduce fraud, while also providing us full control over the cardholder experience … we were able to easily design the authentication process without adding unnecessary friction to
the customer experience.

Michal Smida

CEO

Launch your next payment innovation

Let’s talk about your use case and how we can help.

Platform overview

An API-first technology platform that will shape the future of your payments

​Solutions overview

Modern card issuing that is powering innovative payment experiences across industries

Developer portal

Start building your card program

  • Developer guides

    Discover key concepts of the Marqeta platform with hands on tutorials

  • Data insights

    View filterable, curated production data and personalized insights

  • Core API

    Issue cards, fund accounts, manage payments, and more

  • API explorer

    Explore our endpoints, make API requests, and quickly prototype your product

About us

We are on a mission to empower the world’s innovators