3D Secure

Implement 3D Secure without ever touching sensitive card data. Collect, store and use card data across any workflow, any channel, any provider. Without raw card data ever touching your systems.

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Take Control

Run EMV 3DS authentication once and authorize the payment with any PSP you work with, no matter how your stack is built.

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Smart Authentication

Apply 3DS only where it actually makes a difference. Flexible rules and exemption handling keep your approval rates high and your customers moving.

Certified Across

Certified directly with all major card schemes and always current on the latest 3DS versions, never depending on an intermediary.

Shift Liability

When a transaction is authenticated with 3DS, liability for fraud shifts to the issuing bank. Less risk on your side, more protection for your revenue.

Reduce Fraud

A single authentication step that stops unauthorized transactions before they reach authorization. Simple to add, meaningful in impact.

Regulatory Compliance

Meet PSD2 SCA requirements in Europe and equivalent regulations globally, without building custom compliance logic for every market.

The right product.

“PCI Proxy is exactly the right product for saving our guests’ payment information, without having to worry about an expanding PCI Compliance Scope.”

Benjamin Schmid

Co-founder, Apaleo

How it works.

Authenticate once. Authorize anywhere.

Standalone Authentication

PCI Proxy performs standalone 3D Secure authentication independently from payment authorization.

Return of verified data

PCI Proxy returns verified authentication data and liability shift information through one unified API.

Authorize anywhere

Use the verified authentication result with any PSP, gateway, or acquirer.

Who we work with.

Run 3DS Across Multiple PSPs

Running 3DS across multiple PSPs and keeping authentication logic consistent is harder than it should be. Authenticate once with PCI Proxy and take the result to any PSP in your stack.

Smart Exemption Handling

Forcing authentication on every transaction costs you conversion. Skipping it incorrectly costs you compliance. PCI Proxy handles exemption logic based on country, value and risk settings so your customers move through without interruption.

Merchant Initiated Authentication

Subscriptions, top-ups and deferred charges happen without the customer present, but they still need to be authenticated. PCI Proxy supports merchant-initiated 3DS flows so you handle off-session transactions securely without disrupting your recurring payment logic.

Choose Your Integration Path

Most 3DS solutions force you into a single integration path that may not fit your stack. PCI Proxy gives you a standalone API, mobile optimized SDKs and web checkout components, so you pick the integration that works for your environment, not the other way around.

Maximize Frictionless Approvals

The difference between a challenge and a frictionless approval often comes down to the data sent during authentication. PCI Proxy gives you full flexibility to send every optional 3DS parameter available, so more transactions get through without interrupting your customer.

What are my options for collecting and tokenizing card data?

We've built collection interfaces for almost every channel: hosted iframes for web checkout, native mobile SDKs for iOS and Android, digital wallets such as Google Pay, Apple Pay or Click to Pay, pre-built email payment links, SFTP and HTTPS proxies, a standalone vault for custom builds, and more. Pick the method that fits your flow.

Do you support Apple Pay, Google Pay, and Click to Pay?

Yes, all of them. We can decrypt the wallet specific token, extract the underlying data (FPAN or DPAN), and tokenize it. So, whether your customer pays with Apple Pay, Google Pay, Click to Pay, or enters their card manually within our interfaces, you end up with the same token format. One consistent token across all your channels.

Does PCI Proxy work with my existing payment providers and third parties?

Absolutely. PCI Proxy works with any payment gateway, orchestrator or third party you have an integration with because we don't replace or modify your existing setup. You don't need to switch providers or rebuild your infrastructure. We adapt to your setup, not the other way around.

What about the card data we've already stored?

We make it easy to securely migrate card data you've already collected into PCI Proxy. No matter where it's currently stored. And if you ever decide to move on, your data remains yours. We'll help you export it securely so you're never locked in.

How much does PCI Proxy reduce my PCI compliance scope?

Without card data touching your systems, the vast majority of PCI DSS requirements become irrelevant. You'll go from a full compliance program to maintaining just the baseline essentials, dramatically reducing audit scope, costs, and internal resources needed.

Do you only tokenize credit card data?

Primarily, yes - that's what we're built for. But we're not rigid about it. Need to tokenize IBANs for SEPA payments? Bank account numbers for ACH? Personal data that doesn't fall under PCI but you'd rather not store? We can do that.

Easy, quick and without risk.

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3D Secure

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Your payment stack,fully composable.

Your payment stack,
fully composable.