Introduction to 3DS

This functionality is available for the following models:
☑ Acquirer
☑ Aggregator


For the security of your merchant, the Kushki fraud prevention team will request you to activate the 3DS authentication when receiving card payments.

By having the 3DS authentication service active, your customers will be requested to complete an extra verification step (from now on, challenge) with the card issuer to complete certain transactions. This challenge usually consists of an OTP sent by the bank to your customer’s e-mail address or telephone number.

3DS Validation Availability

Check below for the availability of 3DS validation with the affiliation and integration models available in Kushki.

By affiliation models

3DS validation is available when processing transactions with the following card brands:


Credit and debit cards

VisaMastercardAmerican ExpressDiners
Colombia 🇨🇴
Chile 🇨🇱
Peru 🇵🇪
Mexico 🇲🇽


Credit and debit cards

VisaMastercardAmerican ExpressDiners
Colombia 🇨🇴
Chile 🇨🇱
Peru 🇵🇪
Mexico 🇲🇽

Availability by integration method

3DS validation is available in the following integration methods:

  • Integration with Magento
  • Prestashop integration
  • WooCommerce integration
  • Integration with VTEX
  • Shopify integration
  • Adobe Commerce Integration
  • Smartlink Integration
  • Kajita Integration
  • Android Integration (SDK)
  • iOS Integration (SDK)
  • Payment button integration
  • Kushki.js integration
  • API Integration

How does the 3DS authentication work?

Once the user fills out the form and clicks on the Pay button, Kushki will validate if 3DS authentication is required for the transaction. If this validation is required, your customer will be displayed a challenge whose experience may vary depending on the brand and the issuing bank. When your customer completes the challenge, they will be able to finalize the transaction.

The 3DS authentication flow with Kushki is shown below:

3DS Flujo pagos únicos EN

This is what a payment with 3DS authentication will look like:


100% API integration

If you are a PCI-certified merchant or PSP, you will be able to authenticate your one-time card payments with 3DS by consuming our API.

Integration via Kushki.js

Use this option if you have implemented or plan to implement kushki.js in your front-end and want to authenticate your transactions with 3DS.