Enhance cardholder experience with our ACS, designed for issuers and card processors. It reduces fraud, chargebacks, and operational costs, while complying with SCA and supporting multiple authentication modes.


Secure your transactions with our 3DS Server. Shift liability, reduce chargebacks, and enhance customer trust—all seamlessly integrated for merchants and payment processors.

Trusted by Global Card Schemes

HiTRUST holds certifications from the six major global card schemes and EMVCo. Our commitment is to maintain the highest standards of security and compliance worldwide.

Compliance and Certification
Compliance and Certification

Why HiTRUST's 3-D Secure (3DS)?

25 Years of Experience

HiTRUST has been providing 3D Secure solution since the launch of EMV 3D Secure 1.0.

Flexible Implementation

Cloud-based and on-premises solutions are available to meet regulatory compliance.


Seamlessly integrates our 3DS with Veri-id (Fraud Detection) and Veri-FIDO (Passwordless authentication).

Regulatory Compliance

Our hosting facilities meet PCI 3DS, PCI DSS standards, and undergo annual certification audits.

24x7 Support

For cloud-based, HiTRUST provides 24/7 support to ensure reliable uptime and compliance with card scheme regulations.

Multiple Authentication Model

Archive SCA by offering multiple authentication modes to your cardholders

One-Time Password (OTP)
  • One extra layer of protection

  • Easy to implement

  • Global acceptance

Out-Of-Band (OOB)
  • Mitigate SIM-Swap and phishing

  • Improve user experience

  • Versality in deployment

Go Passwordless
  • Biometrics security

  • Phishing resistant authentication

  • Lower cart abandonment rate

Powerful Admin Dashboard

Our ACS and 3DS Server offer powerful dashboard offering bird eye view.

  • Realtime Transaction Statistics

  • Advanced Transaction Reports For Troubleshooting

  • ACS Challenge UI Customization

  • BIN / ISO Currency Management

  • Manage & Deploy Card Scheme Certificate

  • User Role & Group Management

3-D Secure API Testing

Simplifying 3-D Secure testing for issuers and acquires.
Trust HiTRUST for a smooth and reliable deployment of your 3-D Secure solution.

Test 3DS APIs seamlessly with your Card Management System provider and Hardware Security Module (HSM) to ensure seamless integration and optimal performance. Our systematic implementation and testing plans, including System Integration Testing (SIT), User Acceptance Testing (UAT), and Production Integration Testing (PIT) if necessary, provide a structured approach to validate your 3DS implementation thoroughly.

Experience the power and reliability of HiTRUST's robust Sandbox for comprehensive 3D Secure testing. Our Sandbox provides everything you need, including ACS, 3D Server, an advanced Merchant simulator, and Merchant demo apps for both iOS and Android. With our Sandbox, you can confidently perform all test scenarios before your system goes live.

HiTRUST provides an in-house developed merchant simulator, offering extensive customization options for 3D Secure testing. Our simulator allows you to finely tune parameters such as card and shipping details, 3DS message category, 3DS Requestor Authentication Indicator, Device Channel, passwordless authentication scenarios and much more.

Our comprehensive networking testing ensures that all 3D Secure APIs are configured correctly within your network and firewall. With meticulous attention to detail, we verify that every aspect of your 3D Secure API setup aligns seamlessly with your network infrastructure, guaranteeing optimal performance and security.

Enroll any card scheme and BIN range seamlessly into our 3D Secure testing environments with ease. Our flexible platform allows you to effortlessly incorporate various card schemes and BIN ranges, ensuring thorough testing across a diverse range of scenarios for comprehensive validation of your 3D Secure implementation.

Simulate every conceivable transaction scenario effortlessly with our test environment. From both Payment authentication (PA) and Non-payment Authentication (NPA) transactions with implemented challenge methods, including OTP and Out-of-Band (OOB) authentication, our platform ensures thorough testing across the spectrums.

Receive a detailed and comprehensive 3D Secure tests report from HiTRUST prior to going live.

Supported Authentication Channels
  • Browser (PA & NPA)
  • App (PA & NPA)
  • 3RI (NPA)
Pre-defined Test Scenarios
  • Authentication success - frictionless (Y)
  • Authentication challenged - challenge (C)
  • Authentication failed (N)
  • Authentication rejected (R)