Meet the regulatory and scheme requirements

3D Secure helps you meet Strong Customer Authentication under PSD2, the regulation governing online payments in Europe, alongside the authentication standards set by Mastercard, Visa, and other major schemes.

Reliable and certified

Our solution is cloud-native technology with PCI-DSS Level 1 and ISO 27001 certification, GDPR-compliant data handling, and full audit trails.

Authentication you control

Set your own rules for when to challenge and when to let through. Tailor the customer journey to your brand, your risk level, and your customer base, so verification protects conversion rather than disrupting it. Offer one-time passcodes, biometrics, or in-app approval.

Catch risky payments before they are authorise

When a transaction looks suspicious, issue an additional authentication request mid-flow to challenge it before authorisation. You decide what triggers a step-up: the cardholder confirms through OTP, biometrics, or in-app approval.

Shift the liability

When 3D Secure verifies a customer, the cost of a fraudulent chargeback moves to the issuer. Fewer disputes for you to handle, less revenue clawed back, and your fraud rates stay below scheme thresholds.

Built into Tribe’s wider stack

Build a secure ecosystem with Tribe's products. Authentication, processing, and fraud screening can work together from day one, with no bridging between disconnected systems.