← Back to Labs

3-D Secure Decision Tree

Simulate frictionless approval, challenge flow, soft decline retry, exemptions, issuer ACS decisions, and liability evidence.

DataDSFrictionChallengeSoftEvidence3dsMerchantcheckout dataDirectorywaitingACSwaitingAuthnot started3-D Secure starts with risk data, not a password box.
Step 1 / 6Merchant sends data to the 3DS server

The checkout sends transaction, browser, device, and merchant data for authentication.

Arrow keys to navigate · R to reset

Tap dots to jump to any step

Read the full article →Take the quiz →