3DS Hero

3D Secure

Create tailored authentication experiences and reduce online fraud — while meeting regulatory requirements.

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.

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,


Marqeta Cards

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