Based on the EMVCo 3-D Secure Protocol, it is a global solution designed to make e-commerce transactions more secure using identity verification and "big data" analysis.


UnionPay International Issuance and/or Acquiring License, Third Party Service Providers, 3DS Service Provider


Payment scenario: Authenticating the cardholder when shopping online.

Non-payment scenario: Authenticating the cardholder before binding a card to a wallet or merchant.

Payment Flow



UnionPay 3DS is based on the EMV 3DS protocol.

Easy implementation with unified global standards on system integration.

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

Improved user experience with controllable friction rate.

More secure and flexible authentication methods.

ID & V Support in Non-Payment Scenarios.

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  • If you have any further questions, please register and submit order in your user center.