3DS
A globally secure solution for your modern payments stack.
Future-proof your fraud prevention with an agnostic 3D Secure (3DS) orchestration layer. No vendor lock-in. Full control. Complete ownership of your 3DS data and strategy.
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Why 3DS Checks Should Happen In Your Vault
Centralization
Flexibility and Data Ownership
Control
- One integration for access to: Network Tokens, Account Updater, Card Attributes, and 3DS
- Decouple from your PSPs and own all of your data centrally while experiencing a unified front-end experience for card capture and 3DS step-up
- Ability to route any transaction to any PSP without reliance on the PSP that did the initial 3DS authentication
- Own the authentication response and data, which you can use to enhance risk decision tools for optimal outcomes
- Full control over your 3DS execution, including deciding when and where it runs
- Route to your desired PSP for each transaction r based on your own decisioning logic, regardless of 3DS checks
In addition
Types of 3DS
With two types of 3DS that represent advancements in authentication technology, the best choice depends on what your business needs.
Frictionless
Provides Liability Shift
Standard 3DS 2.0 meets regulatory requirements and prioritizes strong customer authentication and liability shift, the authentication flow comes with possibility of a customer challenge if it is deemed a risky transaction.
3DS Data Only prioritizes a seamless customer experience by relying on rich data exchange to assess risk with no customer challenge, but merchants retain fraud liability.
The best choice depends on a business's specific needs, risk tolerance, and the regulatory environment in which it operates.
Why Choose VGS 3DS?
Truly Provider-Agnostic
You then have the power to authenticate flows dynamically, without being tied to a single vendor.
One Integration
A unified front-end experience that includes Network Tokens, Account Updates, Card Attributes, Account Verification, and 3DS.
Control Routing
Decouple 3DS from your PSP, so you can define custom routing logic for each transaction.
Built-In Compliance
VGS supports across all major card networks (Visa, Mastercard, Amex, Discover, JCB). Stay compliant across borders.
Reduce Latency and Risk
The same alias can be reused across 3DS authentication and payment processing, eliminating multiple detokenization events to reduce latency and risk.
Dedicated Support
Building trust and assurance with our customers is a crucial commitment for VGS, which is why we have a dedicated support team that responds and helps quickly when you need it most.
3DS and Global Compliance
3DS is mandated and heavily regulated in many regions. Reinforce trust and reputation for reliability by enabling 3DS while scaling internationally.
3DS with VGS
Secure every transaction, without lock-in.
What is VGS 3DS?
- Access to 3DS authentication response to make their own decision-making on where, when, and how to process transactions
- Centralized platform to access multiple card services
- Ability to unlock from PSPs
Who does it work best for?
- Businesses that bring their own fraud provider or orchestrator
- Merchants building fraud decisioning internally
Want to learn more about 3DS?
Check out our resources.
Ready to Take Control of Your 3DS Flow?
Don't let 3DS slow you down, VGS is here to help
- A vendor-agnostic routing experience
- Easily integrate with your current tech stack
- Reduce risk and latency
- Own and control your 3DS strategy
Introducing VGS 3DS: Smarter, Safer, Seamless Payments
VGS is officially launching VGS 3DS, designed to deliver stronger security, smoother checkout, and greater flexibility.
Learn More