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PSD2 & 3D

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Make authentication easy for everyone with 3D Secure

Reduce fraud, increase conversion, be ready for PSD2, and provide customer-friendly authentication with 3DS2.

Payment authentication is changing


From 31 December, 2020, many businesses may need to have 3D Secure 2 to comply with PSD2 SCA legislation.

How 3DS2 looks

See the improvements from 3DS1 to the latest version 3DS2.

Let our technology do the manual work

Authentication is completed behind the scenes or with simple customer inputs. Every transaction is routed based on regulation type, risk assessment criteria and policies specifically for your business.

Create a payment experience without interruptions

Keep your customers happy when paying by card at the checkout. With new authentication flows, payments on all devices can be made without interruptions.

Use machine learning to authenticate a payment

Apply authentication in PSD2-live countries, automatically use exemptions where possible, or use authentication to reduce the risk of fraudulent transactions.

Checkout API: Full customization and control

Once you’re on our API, simply add the 3DS2 Component. The pre-built UI gets you up and running quickly for PSD2 and you still have full customization control.

Checkout Drop-in: Pre-built UI that’s ready to go

Our Web, iOS, and Android Drop-in automatically supports 3DS2. All you have to do is update your current version.

Pay by Link: The fastest way to get up and running

Redirect your shopper to an Adyen-hosted checkout page and make any online channel your checkout.

Plugins: 3DS2 already added to all in-house plugins

3DS2 is added into all of our certified built in-house plugins for Magento, SAP Commerce Cloud (Hybris), Salesforce Commerce Cloud.

PSD2 SCA explained


The Revised Payment Services Directive 2

The Revised Payment Services Directive is a European regulation that creates a more open, competitive, and secure payments landscape across Europe. SCA requirements are part of PSD2.


Strong Customer Authentication

SCA is a requirement of PSD2. It’s a combination of three elements to authenticate a payment, something you know, own, and are. For example: a password, your phone, your fingerprint.


3D Secure 2

3DS2 is the authentication solution that creates better shopper experiences while reducing fraud. Your customer gets a simple step in the payment process to allow the issuer (bank) to check that they are who they say they are. Or, in some cases skip authentication due to exemptions.