3D Secure is a security protocol used to verify online transactions and prevent fraudulent activities in e-commerce. It requires cardholders to enter passwords or one-time codes before completing transactions, thereby adding an extra layer of security to the payment process.

3ds Decision Schemes Supported by PingPongCheckout

executeThreeD	Checkout Support	End-to-End Mode Support	Description
Y			Force 3ds verification and use PingPongCheckout's 3ds.
depends			Whether to perform 3ds verification is decided by PingPongCheckout's risk control.
external			3ds verification is required, executed by merchant, and results are submitted to PingPongCheckout.

Based on the executeThreeD parameter value when calling the unified order interface:

Force 3DS verification

Force 3DS verification and use PingPongCheckout 3DS, executeThreeD = Y

Decided by PingPongCheckout risk control

Whether to perform 3DS verification is decided by PingPongCheckout risk control, executeThreeD = depends

Merchant submits 3DS result

The 3DS result can be passed directly through the parameter, executeThreeD = external, this option is not available for Checkout

3D Secure Authentication Process

Frictionless

In the Frictionless process, buyers, issuers, and card schemes exchange all necessary information in the background through passive authentication using the shopper's device fingerprint. The transaction is completed without further shopper interaction.

Challenge

In the Challenge process, the bank or payment processor automatically creates a 3D challenge page for the cardholder, requiring additional shopper interaction. The issuing bank ensures transaction security through biometric recognition, two-factor authentication, or similar methods based on SCA authentication factors. Once the cardholder completes the authentication steps on the 3D challenge page, their identity will be verified, and the bank or payment processor can decide whether to approve the transaction.