Security & Authentication¶

Protect your business and your customers with industry-standard 3D Secure 2.0 authentication and tokenized payment operations.

3D Secure 2.0 (EMV 3DS)¶

3D Secure is an authentication protocol that adds an extra layer of protection against fraudulent card-not-present (CNP) transactions, helping you qualify for liability shift and comply with international regulations (such as SCA in Europe).

sequenceDiagram
    autonumber
    actor Customer as Customer / Browser
    participant Merchant as Merchant App / Server
    participant Bpayd as Bpayd Gateway
    participant ACS as Card Issuer (ACS)

    Customer->>Merchant: Submits Card Details
    Merchant->>Bpayd: Initiate 3DS Verification
    Bpayd->>ACS: Risk Analysis
    alt Frictionless Flow
        ACS-->>Bpayd: Approved (No Challenge)
        Bpayd-->>Merchant: 3DS Token (Ready for Charge)
    else Challenge Required
        ACS-->>Customer: Step-up Verification (OTP / App push)
        Customer->>ACS: Completes Verification
        ACS-->>Bpayd: Challenge Successful
        Bpayd-->>Merchant: 3DS Token
    end
    Merchant->>Bpayd: Process Payment with 3DS Data

Integration Guides¶