---
url: 'https://acquirer-api-docs-v4-en.pingpongx.com/en/notes/threeDS/3ds/index.md'
description: >-
  3D Secure is an online transaction verification protocol designed to prevent
  fraud in e-commerce. By requiring cardholders to enter passwords or one-time
  codes, it provides additional security for the payment process.
  PingPongCheckout supports three 3ds decision schemes: enforcement, risk
  control decision, and external execution. The authentication process includes
  frictionless and challenge modes, where the former completes authentication
  without further user interaction, while the latter requires
---
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             |   <div style="width:28px"><img src="/v4/threeDS/check.svg" ></div>         | <div style="width:28px"><img src="/v4/threeDS/check.svg" ></div>              | Force 3ds verification and use PingPongCheckout's 3ds.             |
| depends       |   <div style="width:28px"><img src="/v4/threeDS/check.svg" ></div>         | <div style="width:28px"><img src="/v4/threeDS/check.svg" ></div>              | Whether to perform 3ds verification is decided by PingPongCheckout's risk control.              |
| external      | <div style="width:28px"><img src="/v4/threeDS/unChecked.svg" ></div>       | <div style="width:28px"><img src="/v4/threeDS/check.svg" ></div>              | 3ds verification is required, executed by merchant, and results are submitted to PingPongCheckout. |

<div><img style="width: 100%;height: 100%" src="/v4/threeDS/3dsDecisionSchemes.png"></div>

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

<div><v4-Checkout-threeDS-3DSDecisions/></div>

## 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.
<div><img style="width: 100%;height: 100%" src="/v4/threeDS/frictionlessFlow.png"></div>

### 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.

<div><img style="width: 100%;height: 100%" src="/v4/threeDS/challengeFlow.png"></div>