3DS 2.0 - How to improve payment approval - Mercado Pago Developers
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3DS 2.0

3DS 2.0 (3-D Secure Authentication 2.0) is a technology that allows the authentication of transactions with credit and debit cards in e-commerces, that is, it allows validating that the person making the purchase is really the holder of the card or have access to the cardholder's accounts to complete the payment.

An authenticated transaction has several benefits, including a higher probability of approval, avoiding chargeback losses for the seller, lower risk of fraud for the buyer, among others.

The flow below represents, in a simplified way, how the 3DS 2.0 authentication process works:


You will find all the information necessary to carry out the integration with 3DS in the following links, according to your type of integration:

  • Checkout Bricks: a modular, secure and customizable payment solution where you control the entire experience and choose which brick and theme to use based on your website needs.
  • Checkout API: a versatile solution for you to build your payment processor on your website. You control the entire experience, from basic to advanced settings.