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‹Card Data

PayOS 3-D Secure

The issuer authenticates its own cardholder, and fraud liability shifts to the bank.

Start using PayOS, pay per use. No sales call required.

Authenticate with the issuer, then shift liability
Shopper
Enters card at checkout
→
PayOS 3-D Secure
Runs auth, any processor
→
Issuing bank
Verifies the cardholder
Flow
Frictionless
ECI
05 · fully auth
CAVV
Present
Liability
Shifted to issuer
✕ Without PayOS
Card-not-present fraud leaves you holding the chargeback when you cannot prove authentication.
✓ With PayOS
✓Reduced fraud ✓Liability shift ✓Fewer chargebacks ✓Processor-agnostic
PayOS runs 3DS independently of your processor and returns the proof authorization needs.
Why it matters

Built to move the metrics you care about

Every signal returns before you authorize, so it shows up where it counts: approvals, fraud, compliance and conversion.

Reduced fraud

Verify identity with the issuer before auth.

Liability shift

Fraud chargebacks move to the issuing bank.

Fewer chargebacks

Authenticated transactions rarely dispute.

Processor-agnostic

Consistent behavior across any processor.

Real problems, solved before money moves.

The same signal set drops into the moments that decide an outcome, from checkout to payout to compliance review.

Guest checkout
Authenticate unknown, high-risk shoppers.
High-value orders
Add verification above your average order.
Subscription setup
Authenticate the initial CIT to cover MITs.
PSD2 / SCA
Satisfy strong customer authentication.