Modern Payment Security Challenges

Balance Security and Customer Experience

As digital payments grow, so do the risks. Financial institutions must identify fraudulent payments while approving genuine ones to keep every transaction secure, compliant, and smooth for customers.

Growing Fraud Threats

Fraud attacks continue to grow in scale as fraudsters adopt increasingly sophisticated methods.

Authentication Fatigue

Reduce repeated OTPs that cause 20–30% of checkout abandonment and frustrate customers.

Regulatory Compliance

Meet evolving EMV® 3-D Secure and SCA requirements with a standards-compliant authentication solution.

Rising Customer Expectations

Deliver fast, secure mobile payments without adding unnecessary friction to the checkout experience.

Growing Fraud Threats

Fraud attacks continue to grow in scale as fraudsters adopt increasingly sophisticated methods.

Authentication Fatigue

Reduce repeated OTPs that cause 20–30% of checkout abandonment and frustrate customers.

Regulatory Compliance

Meet evolving EMV® 3-D Secure and SCA requirements with a standards-compliant authentication solution.

Rising Customer Expectations

Deliver fast, secure mobile payments without adding unnecessary friction to the checkout experience.

Transaction Data for Informed Risk Decisions

Elevate Payment Security With Transaction Data

Every transaction provides valuable risk data. EMV® 3-D Secure brings together transaction, device, and contextual information to support real-time risk assessment.

Rich Transaction Context

Incorporate transaction data such as amount, merchant, payment context, and history.

Risk-Level Assessmen

Use transaction context to determine the risk level of each payment.

Risk-Based Authentication

Apply the right level of verification based on each payment's risk.

Secure, Smoother Payments

Reduce unnecessary friction for genuine customers and strengthen payment security.

Rich Transaction Context

Incorporate transaction data such as amount, merchant, payment context, and history.

Risk-Level Assessment

Use transaction context to determine the risk level of each payment.

Risk-Based Authentication

Apply the right level of verification based on each payment's risk.

Secure, Smoother Payments

Reduce unnecessary friction for genuine customers and strengthen payment security.

Authenticate Your Way

From Traditional Verification to Seamless Passkey Solutions

Choose from a range of secure verification methods designed to fit your business needs and customer experience.

One-Time Password (OTP)

  • Simple and easy to use
  • Universally supported
  • Familiar to customers

In-App Push Notification (OOB)

  • Clear payment details
  • Simple approve-or-decline flow
  • Uses your existing mobile app

Passkey Authentication

  • Phishing-resistant security
  • Biometric payment approval
  • No passwords or OTPs

One-Time Password (OTP)

  • Simple and easy to use
  • Universally supported
  • Familiar to customers

In-App Push Notification (OOB)

  • Clear payment details
  • Simple approve-or-decline flow
  • Uses your existing mobile app/li>

Passkey Authentication (FIDO)

  • Phishing-resistant security
  • Biometric payment approval
  • No passwords or OTPs
Deeper 3-D Secure Analytics

Go Beyond Standard Reporting With InsightEdge

InsightEdge extends HiTRUST 3-D Secure with continuous monitoring and deeper analysis of system performance, authentication outcomes, and risk trends, giving institutions greater visibility into their operations.

Monitor 3DS Performance

  • Track authentication activity and outcomes
  • Monitor system performance and anomalies
  • View service availability and status

Identify Emerging Risks

  • Spot unusual transaction trends
  • Detect suspicious authentication activity
  • Monitor threats such as DDoS attacks

Optimize Authentication Efficiency

  • Track authentication success rates
  • Compare challenge rates and performance
  • Identify unnecessary authentication steps

Monitor 3DS Performance

  • Track authentication activity and outcomes
  • Monitor system performance and anomalies
  • View service availability and status

Identify Emerging Risks

  • Spot unusual transaction trends
  • Detect suspicious authentication activity
  • Monitor threats such as DDoS attacks

Optimize Authentication Efficiency

  • Track authentication success rates
  • Compare challenge rates and performance
  • Identify unnecessary authentication steps
3-D Secure Solutions

Choose the Right Solution for Your Role

Whether you issue cards or enable merchants to accept payments, HiTRUST provides the 3DS component you need to secure online transactions and create a smoother payment experience.

ACS for Card Issuers

  • For banks, card issuers, and issuer processors
  • Verify cardholders based on payment risk
  • Choose from OTP, OOB, FIDO/passkeys, and SPC
  • Reduce fraud and friction while improving legitimate approvals

3DS Server for Acquirers

  • For acquirers, PSPs, and payment gateways
  • Connect merchants to 3-D Secure authentication
  • Simplify integration across merchant networks
  • Reduce fraud exposure and create a smoother checkout experience
Deployment Options

Designed to Fit Your Infrastructure

Choose cloud or on-premises deployment to align with your IT infrastructure, security strategy, and regulatory requirements.

Cloud Service Hosted by HiTRUST

  • Deploy faster and accelerate time to market

  • Scale seamlessly as your business needs evolve

  • Simplify infrastructure management and ongoing maintenance

  • Maintain enterprise-grade security and reliable service continuity

Hosted in your Environment

  • Supports leading databases and enterprise IT environments

  • Maintain full control over your systems, risk strategies, and data

  • Integrate seamlessly with your existing systems and infrastructure

  • Align with your data security, internal control, and regulatory requirements

Cloud Service Hosted by HiTRUST

  • Deploy faster and accelerate time to market

  • Scale seamlessly as your business needs evolve

  • Simplify infrastructure management and ongoing maintenance

  • Maintain enterprise-grade security and reliable service continuity

Hosted in your Environment

  • Supports leading databases and enterprise IT environments

  • Maintain full control over your systems, risk strategies, and data

  • Integrate seamlessly with your existing systems and infrastructure

  • Align with your data security, internal control, and regulatory requirements

Your Partner in Digital Trust and Security

Why Institutions Choose HiTRUST
3-D Secure

Leading financial institutions and growing fintechs partner with HiTRUST to secure online card transactions.

300+ Financial Institutions

HiTRUST supports more than 300 financial institutions worldwide, bringing extensive experience in 3DS implementation and long-term operations.

Broad Card Scheme Coverage

Support leading global card schemes, including Visa, Mastercard, American Express, JCB, and UnionPay, as well as regional schemes across different markets.

Expert Support at Every Stage

Work with experienced technical and implementation teams throughout integration, launch, and ongoing operations.

Connect with Regional Cloud Flexibility

Choose from HiTRUST's regional cloud environments to align with your performance, data security, and regulatory needs.

300+ Financial Institutions

HiTRUST supports more than 300 financial institutions worldwide, bringing extensive experience in 3DS implementation and long-term operations.

Broad Card Scheme Coverage

Support leading global card schemes, including Visa, Mastercard, American Express, JCB, and UnionPay, as well as regional schemes across different markets.

Expert Support at Every Stage

Work with experienced technical and implementation teams throughout integration, launch, and ongoing operations.

Connect with Regional Cloud Flexibility

Choose from HiTRUST's regional cloud environments to align with your performance, data security, and regulatory needs.