Collect fully supports 3D Secure (3DS) authentication for card-not-present transactions, helping you comply with Strong Customer Authentication (SCA) regulations.

What is 3D Secure?

3D Secure is an additional security layer for online and remote card payments. When enabled, customers verify their identity with their bank before the payment completes.

Why It Matters

• SCA Compliance – Required for most European transactions under PSD2
• Reduced Fraud – Shifts liability for fraudulent chargebacks to the card issuer
• Customer Trust – Adds a layer of security customers recognize

How It Works in Collect

For non-card-present payments in the mobile app or on the web (including Payment Links or Web Forms), Collect automatically triggers 3DS authentication when required by your customer’s bank or region.

In-person payments using Tap to Pay or Terminal readers are exempt from SCA requirements since the card is physically present.

Supported Regions

3D Secure is available globally but is most commonly required in:

• European Economic Area (EEA)
• United Kingdom
• India
• Australia (for certain transactions)