Online card transaction authentication workflow support
Available scope is defined during service scoping and implementation planning.
Risk Service
EMV 3DS
Support card-not-present transaction authentication workflows and payment-risk coordination.
Risk ServiceService landing pageB2B
Customer problem
Online card transactions involve fraud exposure, authentication friction, issuer data exchange, and dispute risk. Payment businesses need a structured authentication workflow that can fit their operating model.
What Vellfi provides
Vellfi EMV 3DS supports the planning and operation of 3DS authentication workflows for online card transactions. Implementation is scoped to merchant, PSP, acquiring-side, issuer, scheme, and technical requirements.
Core capabilities
Capabilities to discuss during service scoping
Capability availability depends on service scope, technical requirements, customer eligibility, and applicable agreements.
Card-not-present risk coordination
Available scope is defined during service scoping and implementation planning.
Frictionless and challenge-flow planning where applicable
Available scope is defined during service scoping and implementation planning.
Authentication data exchange support
Available scope is defined during service scoping and implementation planning.
Transaction authentication record support
Available scope is defined during service scoping and implementation planning.
Payment gateway coordination
Available scope is defined during service scoping and implementation planning.
Risk-review integration points
Available scope is defined during service scoping and implementation planning.
Implementation scoping with relevant parties
Available scope is defined during service scoping and implementation planning.
How it works
A practical service workflow
The workflow below shows how a service discussion can move from business context to operating model.
- 1
Customer initiates an online card transaction
- 2
Authentication workflow is triggered according to rules and context
- 3
Relevant transaction and authentication data are exchanged
- 4
Frictionless or challenge path is applied where applicable
- 5
Authentication result supports downstream transaction decisioning
Use cases
Where this service usually fits
- Online card payment authentication
- PSP or acquiring-side 3DS enablement
- E-commerce transaction-risk management
- Cross-border card-not-present payment flows
- Coordination with payment gateway and dispute workflows
Implementation and regulatory note
This page does not claim EMVCo certification, card-scheme approval, or any specific regulated status. Certification, scheme, issuer, acquirer, and technical requirements are confirmed during implementation scoping.
FAQ
Common questions before a service discussion
What is EMV 3DS?
It is a protocol family used to support authentication of online card-not-present transactions.
Who normally evaluates this service?
Merchants, PSPs, acquirers, and platforms that need online card transaction authentication workflows.
How is EMV 3DS different from ACS?
EMV 3DS often refers to the transaction-authentication workflow from merchant or acquiring-side context; ACS is issuer-side authentication infrastructure.
Does 3DS remove all fraud risk?
No. It supports authentication and risk management but does not eliminate fraud, disputes, or compliance obligations.
Next step
Discuss EMV 3DS with Vellfi
Use the Contact Us page to share your business model, operating context, and service requirements. Please do not submit sensitive identity, card, or transaction data through the website.