External 3D Secure
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If your payment processing flow already utilizes a preferred 3D Secure verification partner, Amazon Payment Services supports the use of an external 3D Secure provider. This option allows you to continue handling 3D Secure authentication through your trusted provider while still processing transactions through Amazon Payment Services.
Key Benefits
- Maintain Existing Infrastructure: Continue using your current 3D Secure provider without disruption
- Enhanced Control: Full control over the 3D Secure authentication process
- Flexible Integration: Seamlessly integrate with your existing payment flow
- Provider Choice: Use any trusted Merchant Plug-In (MPI) provider
- Compliance Ready: Meet specific regulatory or technical requirements
How It Works
When using an external 3D Secure provider, Amazon Payment Services integrates with your existing authentication infrastructure through a streamlined process:
Customer Initiates Payment
Customer enters their card details on your checkout page.
Transaction Request
Your server sends the transaction request to Amazon Payment Services with card details and transaction amount.
3D Secure Enrollment Check
Amazon Payment Services automatically checks with the card issuer to determine if the card is enrolled in 3D Secure.
External Provider Redirection
If 3D Secure is required, your system redirects the customer to your external 3D Secure provider's Access Control Server (ACS).
Customer Authentication
The external provider presents the authentication challenge (SMS OTP, mobile app notification, biometric verification) and the customer completes authentication.
Authentication Result Processing
Your external provider returns the encrypted 3D Secure authentication result to your server, including authentication status, ECI, and verification token.
Payload Forwarding
Your server forwards the encrypted 3D Secure payload to Amazon Payment Services for validation.
Payment Processing
Amazon Payment Services decrypts and validates the payload, then processes the payment transaction normally.
The specific authentication method (SMS, app notification, biometric) depends on the customer's card issuer settings and the capabilities of your external 3D Secure provider.
When to Use External 3D Secure
Existing Infrastructure
You have an established integration with a trusted MPI and want to maintain control over 3D Secure processing.
Compliance Requirements
Your infrastructure requires integration with specific 3DS providers for regulatory or technical compliance reasons.
For detailed implementation guidance, including all required and optional parameters, request/response formats, and code examples, see our comprehensive External 3DS API Reference.
Support
Need assistance with External 3D Secure implementation? Contact our technical support team at merchantsupport-ps@amazon.com.