Secure online transactions with 3DS Authentication

Seamless Visa and Mastercard integration

Get in touch

Quick setup

Our 3DS solution offers a swift, seamless integration process, ensuring that new e-commerce platforms can launch rapidly.


Designed with cost-efficiency in mind, our 3DS service is priced to ensure affordability for new businesses.

Operating cost reduction

Leverage our competitive pricing model to lower your expenses without compromising on service quality.

Conversion rates optimization

Technical enhancements in our 3DS service boost conversion rates, ensuring smoother transactions for your customers.

Fast changes and updates

Stay ahead with the ability to quickly adapt and implement changes, keeping your business agile and responsive to market dynamics.

Boost customer confidence

Elevate security and trust with our advanced 3DS Authentication, encouraging more secure transactions on your platform.

Our longtime partners

Securing transactions with advanced 3DS Authentication

Our 3DS Authentication service provides a robust framework for secure online transactions by facilitating technical integration with Visa and Mastercard.

This service ensures compliance with EMVCo standards, offering a secure environment for both merchants and customers.

It supports essential authentication requests such as AReq (Authentication Request), CReq (Challenge Request), and PReq (Pre-authentication Request), enhancing the security and efficiency of payment processes.

By leveraging our 3DS Authentication, businesses can safeguard sensitive payment information and build trust with their customers.

Ready in 0 days

Experience seamless integration with our 3DS service, designed for immediate implementation, ensuring your e-commerce platform is secure and compliant without delay.

Global scalability

Our cloud infrastructure guarantees that your business can grow without boundaries, providing consistent and reliable service no matter where your customers are located.

Enhanced security

With PCI DSS and PCI 3DS certifications, our service ensures that every transaction is secure, and protected against various security threats and vulnerabilities within the payment ecosystem.

Our 3DS Authentication solution perfectly meets the needs of:

Financial institutions

Banks and other financial services can integrate 3DS Authentication to offer secure online payment solutions, enhancing trust and compliance with international standards.

Online retailers

Retailers looking to improve their online checkout process will find 3DS Authentication invaluable for protecting customer data and ensuring transactions are secure.

Fintech startups

Innovative fintech companies can leverage 3DS Authentication to build secure, compliant payment gateways that cater to the modern consumer's needs.

E-commerce platforms

These platforms can utilize 3DS Authentication to secure online transactions, providing customers with a safe shopping experience and reducing the risk of fraud.

Businesses processing online payments

Any business that handles online payments can benefit from the added security layer provided by 3DS Authentication, ensuring a secure and seamless transaction process for users.

Elevate your business

Expand payment

By broadening your payment options, you are not just accommodating more transaction types; you are opening your business to a global market. This expansion isn't just about diversity; it's about making your services accessible to a wider audience, ensuring you never miss an opportunity due to payment limitations.

Build revenue with strategic insight

By leveraging our competitive pricing and state-of-the-art optimization services, you are positioned to enhance your bottom line significantly. Our solution is designed to streamline your operations and reduce costs, while simultaneously opening new avenues for revenue through expanded payment options and improved customer satisfaction.

Optimize conversion for peak performance

By ensuring a smooth, efficient, and user-friendly process, you'll see higher completion rates, increased customer loyalty, and a notable boost in sales performance. In today's digital age, a seamless user experience is key to conversion. Our payment processing solutions are crafted with this in mind, focusing on optimizing every step of the customer journey.

About Autopay


the year we entered the market


banks and institutions are our trusted partners

50 000

online stores have chosen our online payment solutions

>10 bn

the value of transactions handled by us in 2023

Your trusted partner

From October 1, 2013, we enjoy the status of a national payment institution supervised by the Polish Financial Supervision Authority

Since 2011, pursuant to the consent of the National Bank of Poland, we have been conducting clearing and settlement activities supervised by the NBP.

We have obtained the PCI DSS and PCI 3DS certificates, enabling the processing of card data in IT systems and payment gateways.

We are listed as official suppliers for Visa and Mastercard.

Frequently asked questions (FAQ)

A 3D Secure server (3DS server) is a critical component in the 3D Secure authentication protocol used in online card transactions to enhance security. It facilitates communication between the merchant's website and the card issuer's bank, verifying the cardholder's identity through a secure authentication process. This server plays a key role in reducing fraud in e-commerce transactions by ensuring that the person making the transaction is the rightful card owner.

EMVCo is an organization that facilitates worldwide interoperability and acceptance of secure payment transactions. Governed by six member organizations—American Express, Discover, JCB, Mastercard, UnionPay, and Visa—EMVCo manages and evolves the EMV® Specifications and related testing processes. These specifications include standards for systems like 3D Secure, contact and contactless card payments, and tokenization, aiming to enhance the security and reliability of electronic payment methods across the globe.

AReq, which stands for Authentication Request, is a crucial component of the 3D Secure (3DS) protocol used in online payment security. It represents the initial message sent by the merchant's 3D Secure server to the card issuer's Access Control Server (ACS) to initiate the authentication process. This request contains transaction details and cardholder information necessary for verifying the cardholder's identity, ensuring that the person attempting the transaction is the legitimate card owner.

CReq, standing for Challenge Request, is part of the 3D Secure (3DS) online payment security protocol. It's a communication from the cardholder to the Access Control Server (ACS) in response to an AReq (Authentication Request). This response might be required if further authentication is necessary, often involving the cardholder providing additional information to verify their identity. It's a step designed to enhance transaction security by ensuring the person making the transaction is indeed the cardholder.

The Preparation Request (PReq) and Preparation Response (PRes) messages in the EMV 3DS protocol facilitate the identification of issuers that actively support Visa Secure using EMV 3DS for authentication services. Merchants and 3DS servers use PReq to inquire about issuer account ranges ready for EMV 3DS from the Directory Server (DS). The response, PRes, varies between protocol versions, providing details on issuer participation and the availability of authentication services, guiding merchants on whether to proceed with EMV 3DS or revert to 3DS 1.0 transactions.

We support 3DS 2.2 and DAF for secure and efficient transaction processing.

3DS 2.2, the latest version of the 3-D Secure Authentication protocol, provides an enhanced layer of security for online credit and debit card transactions. It introduces improvements in the authentication process, reducing friction for cardholders during checkout, and supports a wider range of authentication methods, including biometrics. This version also offers better integration with mobile and in-app payment systems, ensuring a seamless user experience across all platforms.

DAF, standing for Dynamic Authentication Framework, is a technology that further enhances transaction security by dynamically assessing each transaction's risk level and applying the most appropriate authentication method based on this assessment. DAF works in tandem with 3DS 2.2 to optimize the authentication process, minimizing the need for additional user input while maximizing security against fraudulent transactions.

Together, 3DS 2.2 and DAF represent the forefront of secure online payment processing, providing both robust security measures and a smooth transaction experience for users.

Contact us

Connect with us to learn more about our future-proof solutions designed for businesses looking to scale. Let's discuss how we can tailor our services to support your evolving needs.

Get in touch