Integrate 3DS Authentication
Add EMV 3-D Secure to your checkout in minutes. Choose the JavaScript SDK for a drop-in solution, or use the Direct API for complete control over the authentication flow.
Choose Your Path
Two Ways to Integrate
JavaScript SDK
Drop-in integration
Add a single script tag and annotate your form fields. The SDK handles device fingerprinting, challenge flows, and result callbacks automatically.
- Monitors form fields automatically
- Handles fingerprinting & challenges
- Frictionless & challenge flows built-in
- Callback-based results
<script src="https://cdn.3dsintegrator.com/threeds.2.2.20231219.min.js"></script>
<script>
const tds = new ThreeDS("payment-form", apiKey, null, {
endpoint: "https://api-sandbox.3dsintegrator.com/v2.2",
showChallenge: true
});
tds.resolve = (data) => {
console.log(data.status, data.eci, data.authenticationValue);
};
</script>Direct API
Full control
Server-to-server integration for complete control. You manage browser data collection, fingerprinting, result polling, and challenge presentation.
- Server-to-server API calls
- Control every step of the flow
- Custom UX for challenges
- Real-time status visibility
const response = await fetch(
"https://api-sandbox.3dsintegrator.com/v2.2/authenticate/browser",
{
method: "POST",
headers: {
"Content-Type": "application/json",
"X-3DS-API-KEY": apiKey,
"Authorization": `Bearer ${jwt}`
},
body: JSON.stringify({
pan: "4005519200000004",
month: "12",
year: "26",
amount: 99.00,
browser: browserData
})
}
);Sandbox
api-sandbox.3dsintegrator.com
Test with sample cards, no real charges
Production
api.3dsintegrator.com
Live authentication with real issuers
Getting Started
Quick Start Guide
Go from zero to authenticated in five steps.
Get Credentials
Get your API key from your PAAY dashboard. Enable Domain Matching and/or Pass in JWT for security.
Choose Integration
Use the JS SDK for a drop-in solution with minimal code, or the Direct API for full control over every step.
Set Up Sandbox
Point to api-sandbox.3dsintegrator.com and use our test cards to validate your integration.
Authenticate
Submit card data, handle device fingerprinting, and poll for the issuer's authentication decision.
Go Live
Switch your base URL to production. Same API, same code. Just a different endpoint.
Reference
Key Resources
Test Cards
30+ test cards across Visa, Mastercard, Amex, and Discover for all authentication scenarios.
Authentication (JWT)
JWT is optional by default. Enable "Pass in JWT" in your dashboard for server-side token control.
Status Codes
The authentication result status tells you whether the cardholder was verified.
Device Fingerprinting
The ACS collects browser fingerprint data via a hidden iframe before making its risk decision.
Challenge Flow
When the issuer requires additional verification, a challenge iframe is presented to the cardholder.
Data Only / Data Share
Send enriched data to issuers without triggering a challenge. Improve approval rates and fraud scoring.
3RI (Recurring / COF)
Authenticate merchant-initiated transactions like recurring billing, subscriptions, and card-on-file.
Live Demo
See 3DS authentication in real-time. Enter a test card and watch every step of the flow.
Ready to Get Started?
Contact our team for API credentials and integration support. We'll have you authenticating in no time.