Cards brands available

The brands available for authentication via 3DS are:

• Visa;
• Mastercard;
• Elo;
• Amex.

⚠️

Starting from May 1, 2024, the Mastercard brand will identify merchants that have not had 3DS authentication activity for 11 or more months. After 13 months without using 3DS authentication, merchants will lose their registration.

ℹ️

Stand-in by the card brand (valid for Visa and Mastercard):

In addition to the card brands, the card issuer also needs to process the 3DS protocol. If the issuer is not yet able to respond to an authentication request using 3DS, the brand evaluates the data sent, such as cardholder transactional and behavioral history, classifying authentication requests as "Low Risk" and "Not Low Risk." Based on this information, issuers can rely on protection even without having their own 3DS solution, and will have greater confidence in authenticated transactions. In stand-in cases, authentication is frictionless and, once the transaction is authenticated, the liability shifts to the issuer.