3D Secure

Balance security and usability while paying online. 

E-commerce fraud is the biggest source of card fraud. That’s why payment security should be your top priority, especially as more and more buying moves online. 3D Secure is designed to combat card fraud through a two-step authentication process.

Enfuce 3D Secure

What is 3D Secure? 

3D Secure is an identity authentication protocol that adds a layer of security to credit and debit card payments online. Europe’s Strong Customer Authentication regulation requires the implementation of 3D Secure, and it’s an optional tool to reduce fraud in other regions.

One size does not fit all

While the card schemes standardise 3D Secure, there are many ways that you can implement strong customer authentication. Enfuce tailors the 3DS process to align with local expectations and fit smoothly into the checkout process. 

There are regional differences in how customers prefer to authenticate their identity. Therefore, we support many types of customer authentication, including biometric authentication like fingerprints and facial recognition, and different national identification schemes.


Remove friction from the
buying process

Not all online payments are equally risky. Enfuce supports risk-based authentication, meaning that low-value payments or recurring payments to known merchants don’t need to be authenticated separately. The buying process is optimised to avoid fraudulent transactions but the checkout flow remains smooth.

How to enable 3D Secure?

Enfuce removes complexity for card issuers by taking care of 3D Secure implementation on their behalf. Payment regulations evolve, and this means changing requirements for card issuers. 

Enfuce is always up-to-date with the latest developments. We run the whole 3D Secure 2.2 process in-house from end to end on our Access Control Server, making integration easier for you and removing the need for additional vendors.


Hear it from customers – they love and praise us!

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

Hear it from customers – they love and praise us!

As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!

The collaboration with Enfuce is enabling us to offer more cutting-edge features to our existing and new customers faster. With their card-issuing service, we’ve been able to smoothly and quickly onboard end-users in six markets.

Niccolo Perra, CTO and Co-Founder at Pleo

We and Enfuce spoke the same no-nonsense language right from the start. Like us, they don’t beat around the bush. We understand how they work, and they understand how we work. This is a huge asset for us when it comes to technical discussions and development.

Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank

With a card issuing solution, we have been able to further strengthen our value proposition for the increasingly demanding market by introducing new functionalities fast.

Jonas Hultin, CEO at Rocker

Enfuce has enabled us to build smarter and socially conscious banking services. They’re not only a partner in our venture, they are a crucial element in our above-and-beyond value proposition to our customers.

Haukur Skúlason, CEO at indó

People say that My Carbon Action has really had an influence on their lifestyles. What we have seen while working with Enfuce is their willingness to think along with us to create the best possible solution for us.

Joyce Ohello, Innovation Manager at Rabobank

Unlike many other processors, Enfuce has been able to filter out all the payments-related jargon and present the solutions in simple terms.

Thomas Jansson, Chief Growth Officer and Co-Founder at Qred

Enfuce’s service enabled us to meet and exceed all PSD2 requirements, and tap fully into the opportunities of open banking. With Enfuce’s platform and industry-leading expertise, everything was taken care of — from the fine print to fully deployed APIs.

Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking

With Enfuce, you issue payment cards that are…



Choose features and services from our modular offering and design a payment card product to fit your exact needs.



Access a cloud-based platform with capacity to scale globally across multiple currencies and regions without scaling costs.


Secure and compliant

Benefit from 99.99% uptime, 24/7 fraud monitoring, dispute management, and PCI-DSS, GDPR and PSD2 compliance.

Want to know more? Contact us!