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APIs/Payments/
/3DS authentication

Last updated: 16 June 2026 | Change log

3DS Authentication

3D Secure (3DS) authentication is used to verify your customer during an eCommerce card payment and support Strong Customer Authentication (SCA) requirements.

The Payments API supports two distinct 3DS integration models, depending on who performs the authentication:

Integrated 3DS

Worldpay orchestrates 3DS authentication for you, including device data collection, issuer challenge handling, and payment continuation.

External 3DS

Submit authentication results from your own 3DS provider when the customer has already completed authentication outside of Payments API.

Only one 3DS type can be used per payment.