UnionPay International Developer

Open API >Payment >UnionPay 3-D Secure

UnionPay 3-D Secure

Payment Developer Merchant Acquirer Issuer Internet Payment

The 3-D Secure authentication protocol is based on a three-domain model where the Acquirer Domain and Issuer Domain are connected by the Interoperability Domain for the purpose of authenticating a cardholder during an electronic commerce (E-commerce) transaction or identity verification and account confirmation.

Sandbox Testing

API Introduction

Key Features

Support browser mode and In-App mode on mobile phones and other devices.

Improve user experience with controllable friction rate.

Easy implementation with unified global standard on system integration.

Fraud monitoring and management via risk-based authentication and enhanced data exchange.

More secure and flexible authentication methods.

Support ID&V in non-payment scenario.

When to Use it?

UnionPay 3-D Seure is used for cardholder identity authentication in an online transaction. By enabling both frictionless mode and challenge mode, UnionPay 3-D Secure helps to improve user experience and secure transactions.

Who Use it?

Merchant, Issuer, Acquirer and Developer

Where to Use it?

This API is available globally for cross-border and transactions outside of the Mainland China.

Flow Chart

3DS 流程图.png

UPOP： UnionPay Omnichannel Platform， a front system of UPI switch and clearing system that handle transactions of online payment, mobile payment etc

API Document

Note

For APIs included and response code, please refer to EMV® 3-D Secure Protocol and Core Functions Specification.

EMVCo reference address: https://www.emvco.com/document-search/?action=search_documents&publish_date=&emvco_document_version=&emvco_document_book=&px_search=&emvco_document_technology%5B%5D=3-d-secure&emvco_document_specifications%5B%5D=specifications

Approved Third Party Institutions

UnionPay International helps to accelerate adoption of new technology by merchants, financial institutions, and other technology providers. Browse the approved 3-D Secure 2.0 Third Party Institution directory to look for partners meet your business needs.

认证机构清单.png

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