---
updatedAt: 2026-02-26T13:09:29.000Z
agentTools:
  projectIndex: https://docs.ksa.ngenius-payments.com/llms.txt
---

# EMV 3DS

Three-Domain Secure (3DS or 3-D Secure) is an XML-based messaging protocol that enables cardholders to authenticate themselves with their card issuer while making card-not-present (CNP) purchases online.

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  "html": "<h3>Advantages:</h3>\n\n<ul>\n  <li class='li_height'>Enhanced payment authentication provides you and your customers greater protection from fraudsters.</li>\n  <li>Liability-shift based on the result of the 3DS validation.</li>\n  <li>Drives down the per-transaction costs and increases savings.</li>\n  <li>Enhances trust and confidence for customers doing online shopping.</li>\n  <li>Simplifies the transaction flow and drives up conversion rates.</li>\n</ul>\n<br>\n"
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