Nexiant
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Stop Fraud. Reduce Chargebacks.

EMVCo-certified 3D Secure authentication stops fraudsters in their tracks while keeping legitimate customers happy. Risk-based decisioning approves 80%+ of valid transactions silently — no friction, no chargebacks.

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0%+
Frictionless Rate
Silently approved transactions
<500ms
Response Time
Real-time decisioning
0.0%
Platform Uptime
Enterprise-grade reliability
Global
Card Scheme Coverage
Visa, Mastercard, Amex & local schemes

How It Works

From Transaction to Liability Shift in Milliseconds

Real-time risk scoring decides whether each transaction needs authentication, and what type.

1

Transaction Initiated

Customer initiates a payment at your checkout. Transaction details are sent to the 3DS server with initial risk signals.

2

Risk Assessment

Real-time analysis evaluates device fingerprint, historical patterns, velocity, and geographic signals. Risk score determined.

3

Authentication Decision

Low-risk transactions approve silently. Medium/high-risk transactions trigger appropriate challenge method (OTP, biometric, etc).

4

Liability Shift

Successful authentication completes. Liability for fraud shifts from acquirer to issuer. Transaction proceeds with full protection.

Key Features

Fraud Prevention That Works

Real-time risk scoring, frictionless authentication, and liability shift built for modern eCommerce.

Frictionless Authentication

Most transactions authenticate silently without challenging the cardholder. Risk-based decisioning approves low-risk payments instantly, reducing friction and abandonment.

Real-Time Risk Scoring

Every transaction is evaluated against fraud patterns, device intelligence, and historical risk profiles in real time. High-risk transactions trigger step-up authentication.

Challenge-Based Authentication

When needed, customers verify via OTP, biometric, or one-click methods. Multiple challenge types optimise for different scenarios and customer preferences.

Liability Shift

When 3DS authentication is properly executed, liability for fraud shifts from the acquirer to the issuer — protecting your margins on disputed transactions.

Global Coverage

Support for card schemes across Visa, Mastercard, American Express, and local schemes globally. Works across web, mobile, and in-app channels.

Scalable Infrastructure

High-throughput processing with response times under 500ms ensures authentication never becomes a bottleneck in your payment flow.

Payment processing system dashboard

80%+

Frictionless approvals

Fraud Prevention

Why 3DS Matters

Protect Your Revenue. Delight Your Customers.

3DS fraud prevention doesn't have to mean challenging every customer. Risk-based decisioning lets legitimate customers breeze through while stopping fraudsters cold.

  • Lower Fraud Losses

    Multi-factor authentication stops account takeover and card-not-present fraud before it hits your bottom line.

  • Fewer Chargebacks

    Liability shift means the issuer bears responsibility for fraud when authentication is properly executed.

  • Better UX

    80%+ of transactions approve silently. Customers don't abandon checkout because of security friction.

  • Regulatory Compliance

    Meet PSD2 SCA requirements and other regulatory mandates with proper 3DS implementation.

Talk to our team about 3DS
Full Capability Set

Enterprise Fraud Prevention

From risk scoring to liability shift, we handle the complete 3DS authentication lifecycle.

01

Risk-Based Decisioning Engine

Evaluate every transaction against multiple risk signals before deciding whether to approve silently, challenge, or decline.

02

Multiple Authentication Methods

Support OTP, biometric, one-click, push notifications, and custom challenge methods. Let cardholders choose their preferred verification method.

03

Real-Time Transaction Analysis

Analyse device fingerprints, historical patterns, velocity checks, and geographic anomalies in milliseconds.

04

Issuer Integration

Work seamlessly with issuer-side authentication systems. Full ACS/3DS Server interoperability across all major card schemes.

05

Compliance & Liability Shift

Proper 3DS execution ensures regulatory compliance and shifts fraud liability from acquirer to issuer when properly authenticated.

06

Multi-Channel Support

Deploy authentication across web browsers, native mobile apps, and in-app payment experiences. Consistent security across all channels.

07

Real-Time Reporting & Analytics

Monitor authentication success rates, challenge rates, fraud trends, and approval metrics in real time.

08

API & SDKs

RESTful APIs and native SDKs for web, iOS, and Android. Complete control over the authentication experience.

How GPayments 3DS Compares

See how modern 3DS stacks up against legacy authentication systems.

Typical Solutions

  • Legacy 3DS systems with challenge on every transaction
  • Manual fraud review without real-time decisioning
  • Poor mobile authentication experiences
  • Inconsistent liability shift across card schemes
  • Slow authentication response times
  • Limited support for emerging authentication methods
  • Complex integration requirements
  • No visibility into fraud trends or patterns

Nexiant (GPayments)

  • Risk-based decisioning approves 80%+ of legitimate transactions silently
  • Sub-500ms response times ensure smooth checkout experience
  • Real-time fraud pattern detection with machine learning
  • Support for OTP, biometric, push notifications, and custom flows
  • Full card scheme compliance and liability shift
  • Seamless mobile and in-app payment experiences
  • Complete audit trail for every authentication decision
  • Transparent reporting on fraud rates and approval metrics

Certified & Compliant

EMVCoPCI DSSPCI 3DSISO 27001ISO 27701GDPRDORA

Common Questions

Frequently Asked Questions

What is 3D Secure (3DS) authentication?
3D Secure is a protocol developed by card schemes (Visa, Mastercard) to add an extra layer of security to online card transactions. It uses multi-factor authentication (typically a password and OTP or biometric) to verify that the person making the transaction is the legitimate cardholder. When properly executed, 3DS shifts liability for fraud-related chargebacks from the acquiring bank to the issuing bank.
How does risk-based decisioning work?
Risk-based decisioning evaluates dozens of signals in real time: device fingerprint, historical transaction patterns, velocity (how many transactions in a time window), geographic location, IP reputation, and more. Based on these signals, a risk score is calculated. Low-risk transactions authenticate silently without challenging the customer. Medium-risk transactions may require a step-up (OTP or biometric). High-risk transactions may be declined or sent for manual review. This approach reduces friction while protecting against fraud.
Do all transactions need to be challenged?
No. With risk-based decisioning, most legitimate transactions (typically 80%+) authenticate silently without the customer ever seeing a challenge. This dramatically improves the customer experience and reduces checkout abandonment. Challenges are only triggered when risk signals indicate a higher probability of fraud.
What happens if authentication fails?
If a customer fails authentication (e.g., enters an incorrect OTP multiple times), the transaction can be declined or sent for manual review depending on your configuration. Some issuers allow a second attempt with a different challenge method before declining.
How is liability shift achieved?
When 3DS authentication is properly executed and the cardholder is successfully authenticated, liability for fraud-related chargebacks shifts from the acquiring bank to the issuing bank. This is because the issuer had the opportunity to verify the cardholder and chose to approve the transaction. Proper 3DS execution is the key — incomplete or improperly configured 3DS does not trigger liability shift.
Is 3DS required by law?
3DS is required in certain markets. The EU's PSD2 (Payment Services Directive 2) mandates Strong Customer Authentication (SCA) for online card payments, which 3DS satisfies. Other regions have similar requirements. Even where not mandatory, 3DS is increasingly expected by issuers and card schemes for fraud prevention and liability shift.
What's the difference between 3DS 1.0 and 3DS 2.x?
3DS 1.0 is the older protocol that generally challenges every transaction (poor user experience). 3DS 2.x (also called 3DS2) introduced risk-based decisioning, frictionless authentication, and much better mobile support. 3DS 2.x is the modern standard and is what we recommend. All major card schemes have deprecated 3DS 1.0.

Stop Fraud Before It Costs You

Get started with 3DS fraud prevention today. Request a demo to see how risk-based decisioning protects your revenue while keeping customers happy.

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