3D Secure

Vesta’s 3D Secure feature adds 3DS support to our fraud protection services, which further reduces your exposure to fraud risk. Adding 3DS to your implementation simplifies the three pillars of fraud prevention into a one-stop solution, which eliminates fraud, maximizes revenue, and provides the best possible customer experience for your business.

The 3DS add-on is available with our Payment Guarantee and Payment Protect products, and it works slightly differently depending on the product that you subscribe to.


Adding 3DS support to your Vesta integration provides the following benefits:

  • Maximized Payment Acceptance - Accept more payments by shifting liability to Vesta for transactions that might otherwise have been declined.
  • Managed Access - Avoid the complexity and burden of having to manage integration and compliance issues in-house by leveraging Vesta’s turnkey 3DS workflows.
    • Identity Verification Integration - Vesta handles integration to the interoperability domain and all communication to and from other 3DS domains.
    • Regulatory Compliance - Vesta manages and maintains compliance with all 3DS regulations and standards on your behalf.
  • Reduced Friction at Checkout - Obtain Secure Customer Authentication precisely when it is needed. This reduces friction and abandonment, and improves order conversion. Many low-risk transactions will be processed without 3DS, which improves customer experience.
  • Vesta leverages all appropriate exemptions to allow certain transactions to bypass the SCA process and proceed directly to payment authorization.
  • On transactions that must follow the SCA process, Vesta minimizes the number of transactions that result in the customer having to do a challenge.

The 3DS add-on includes the following features when added to your Payment Guarantee implementation:

  • 3DS V2 and V1 support
    • Merchant configurable options based on requirements and region
    • Automatic fallback to 3DS V1 if the issuing bank cannot support 3DSV2
  • Enhanced 3DS V2 features
    • Low-value exemptions
    • No site-specific enrollment requirements
    • Cross-platform support
    • Digital wallet and token support using non-payment-cardholder authentication
    • Enhanced browser-based authentication
    • Token-based authentication
    • Biometric authentication

3DS for Payment Guarantee

3DS for Payment Guarantee leverages our machine learning intelligence to automatically request the most appropriate 3DS workflow (exempt, challenge, or frictionless) for every transaction, which increases approval rates and decreases order abandonment.

3DS for Payment Guarantee Enterprise Acquiring

3DS for Payment Guarantee Enterprise Acquiring allows Vesta to request the most appropriate 3DS workflow (exempt, challenge, or frictionless) for every Web of Native App transaction. In geographies where Secure Customer Authentication is mandated by law, Vesta complies with all mandates while leveraging exemptions to minimize friction and to increase approval rates and decrease order abandonment.

3DS for Payment Protect

3DS for Payment Protect gives you the option to invoke different levels of authentication based on the Risk Score and Five Insights returned with the risk assessment. If a transaction meets your criteria for invoking 3DS, send a POST request to the Initiate3DSChallenge endpoint with customer and transaction information in the body, and Vesta will present your customer with the appropriate 3DS workflow.

The merchant can request a challenge or accept the flow offered by the issuer for the transaction. The response will provide the status of the authentication along with a cryptogram that can be forwarded to the Acquirer. The API response will also indicate if the cardholder was challenged.