What is 3DS?
3DS (3-D Secure or 3DS) is a cardholder authentication protocol. It adds an extra security step to online card payments by verifying the customer’s identity during a transaction.
In payments and fintech, 3DS provides advanced functions to reduce fraud, shift liability from merchants to issuers, and ensure compliance with regulations such as PSD2. That’s why it’s beneficial for e-commerce and cross-border payments.
What is a payment gateway?
A payment gateway is an intermediary layer that securely transfers payment data between the merchant, the acquiring bank, and the card issuer during an online transaction.
In practice, a gateway functions as the technical bridge for authorization, routing, and processing. It often connects merchants to multiple providers while supporting services such as fraud prevention and tokenization.
How the 3DS Payment Gateway Works
A 3DS payment gateway adds an extra verification step for cardholders during online payments. When a customer initiates a transaction, the gateway routes the payment to the issuer for authentication. It then prompts the customer to verify their identity. Typically, a customer must complete verification using an OTP, biometrics, or a password. Once confirmed, the payment is either approved or declined.
In Akurateco’s open-source, developer-friendly infrastructure, the 3DS payment gateway offers access to real-time, secure processing across multiple PSPs, ensuring smooth, compliant transactions for both domestic and international payments.
Why 3DS Payment Gateway Matters for Your Business
A 3DS payment gateway is essential for online merchants and fintech platforms. It helps reduce fraud and chargebacks, ensure regulatory compliance, maintain secure and encrypted transactions, and provide scalable infrastructure for growing transaction volumes.
Akurateco enhances these capabilities through easy API integration, multi-PSP support, and tokenization. With advanced solutions, businesses can manage their online payment projects without the complexity of hiring developers or building everything in-house at high costs.
Wrapping Up / Final Note
A 3DS payment gateway ensures that online payments are verified, secure, and compliant.
Akurateco’s solutions deliver secure and flexible payments for merchants and fintech startups without requiring any development.
- Add payment methods instantly without developing new integrations.
- Benefit from built-in fraud protection, smart transaction routing, and reconciliation capabilities.
- Avoid regulatory burdens, as the main gateway will take care of compliance.
