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What is 3D Secure (3DS)?

3D Secure (also called “3DS”) is an extra security layer for online card payments. When required, customers authenticate directly with their bank. Why it matters:
  • Reduces fraud
  • Helps with liability shift (processor/network dependent)
  • Required in some regions (e.g., PSD2)
  • May improve approval rates

3DS Version Support

Revolv3 supports EMV 3DS 2.x pass-through only. 3DS 1.x pass-through is not supported.

The threeDS Object

Include the threeDS object in your payment request:

Field Reference

Note:
dsTransactionId is the Directory Server Transaction ID (transaction-level identifier), not a Directory Server ID.

Example Request


Troubleshooting

Common Issues

  • Missing threeDsVersion
  • Unsupported threeDsVersion
  • Invalid base64 format in cavv

Worldpay Sandbox Note (Base64 Padding)

Some Worldpay sandbox scenarios may reject cavv values that include trailing base64 padding (=). If you experience unexplained validation failures: Example:
Only remove trailing = padding if required. Do not modify any other characters.

Best Practices

  • Send values exactly as received from your 3DS provider
  • Only include fields your provider returned
  • Ensure threeDsVersion matches the version used
  • Test thoroughly in sandbox before production rollout