Standalone 3D Secure Service

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The Standalone 3D Secure service allows you to initiate 3D Secure authentication at a specific point in your transaction flow independent of a purchase or authorization request. This is useful when you want to verify a cardholder's identity without immediately processing a payment.

Unlike the standard flow where 3D Secure is triggered during purchase or authorization, the standalone service lets you run 3D Secure verification through a dedicated API call. This allows you to authenticate the cardholder upfront, then proceed with the transaction at a later stage.

Key Benefits

• Flexible Authentication: Verify cardholder identity at any point in your workflow, independent of payment processing
• Enhanced Security: Reduce fraud risk by authenticating customers before processing transactions
• Improved User Experience: Separate authentication from payment flow to reduce checkout friction
• Risk Management: Implement authentication as part of your comprehensive risk assessment strategy

How Standalone 3D Secure Works

• PCI-Compliant merchants: You can pass raw card details to initiate 3D Secure.
• Non-PCI compliant merchants: You can pass the token_name to initiate the standalone 3D Secure process.

Standalone 3D Secure involves a comprehensive two-step authentication process:

1

Enrollment Check

Amazon Payment Services checks if the card is enrolled in 3D Secure. If the card is enrolled:

• Enrollment Verification: The system verifies card enrollment status with the issuing bank
• Customer Redirect: The customer is redirected to the issuing bank's 3D Secure authentication page
• Authentication Challenge: The customer completes the authentication challenge (OTP, biometric, etc.)
• Data Storage: Upon successful authentication, Amazon Payment Services securely stores the encrypted 3DS payload

2

Authentication Confirmation

In this step, Amazon Payment Services processes the authentication data:

• Payload Decryption: The system decrypts the stored 3DS payload
• Authentication Verification: Validates the authentication using your merchant credentials
• Identity Confirmation: Confirms the cardholder's identity for future transactions
• Authorization Ready: Enables you to proceed with authorization or purchase at a later time

To get a detailed view of all required and optional fields, see our API reference.

Support

Need assistance with Standalone 3D Secure implementation? Contact our technical support team at merchantsupport-ps@amazon.com.