North America—United States and Canada

3-Domain Secure™ (3DS) is a protocol that adds a security layer for online card-not-present (CNP) transactions. Clover uses EMVCo 3D Secure 2.0 (3DS2) to authenticate customers, safeguard against CNP fraud, and improve risk assessment. 3DS is supported across major card networks, such as American Express®, Discover®, Mastercard®, and Visa®.

Get started

Use the following links to learn more about 3DS and how it works with the Clover Ecommerce integration types.

Enable and configure 3DS authentication

Merchants must enable 3DS on the Merchant Dashboard. For on-device integration or Clover iframe, they need to configure and initiate the 3DS SDK for payments.

3DS deep dive for card-not-present transactions

Learn about 3DS authentication service, terminology and flow, and liability shift for merchants.