What is 3D Secure?

3D Secure (3DS) allows customers to authenticate high risk transactions with confidence, with the added benefit of liability shift to the card issuer for fraudulent payments.

Despite the obvious benefits, adoption of 3DS has been limited. 3DS authentication brings friction to the payment process and provides a sub-optimal shopping experience, especially on smart devices.

To address these points the card schemes have introduced 3DS2. A new approach to authentication that puts shoppers at the center of the process, 3DS2 works with the latest smart devices to deliver a smooth and secure payment experience.

To provide the optimal 3DS experience Worldpay offer 3DS Flex. Offering both 3DS1 and 3DS2, 3DS Flex has you covered whether you're a new business looking to start with 3DS or an existing business, upgrading to 3DS2.

You can learn more about 3DS and our 3DS Flex product in our technical integration guide on the Worldpay Developer hub. You can also read more about 3DS2 in our blog.


All merchants who use our 3DSFlex service need to ensure that all necessary fair processing notices have been provided to affected data subjects, including to provide a link to Worldpay’s Privacy Statement (which can be found here: https://www.worldpay.com/uk/worldpay-privacy-notice) or to include a statement that Worldpay’s Privacy Statement can be found on Worldpay’s corporate website.