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3DS & Network Tokens

Authentication that helps, not hurts.

Intelligent 3DS flows that route high-risk transactions to authentication while letting low-risk payments through — lifting approval rates without adding friction.

+8%
Auth rate improvement
97%
Frictionless rate
100%
Liability shift on authed txns
Cards that never
expire, decline, or fail.
Higher approval rates
Visa & Mastercard trust
tokenised transactions

Network tokens are issued directly by card schemes. Issuers recognise them as higher-trust credentials and approve them at a higher rate than raw PANs — reducing soft declines and lifting your overall auth rate.

No more expiry failures
Tokens update automatically
when cards are replaced

When a card expires or is reissued, the network updates the token automatically. No failed renewals, no involuntary churn, no manual card update flows to build and maintain.

Scheme-level security
Raw card numbers
never touch your stack

Tokens are scoped to your merchant and domain. They can't be used elsewhere, reducing the impact of any breach and shrinking your PCI scope significantly.

Works across all acquirers
One token, any
acquirer you route to

Because tokenisation sits on Truegate's layer, the same token works regardless of which acquirer processes the transaction. Combined with smart routing, you get the highest possible approval rate on every attempt.

Authentication that
works for you.
secure.bank.com/3ds-auth
🔒
🏦
Secure 3DS
🔐
Verify payment
Enter the 4-digit code
sent to +44 ••••• 7812
Paying €847.00 to Acme Ltd.
Confirm payment
Authenticating…
Approved
Payment authenticated.
Liability shifted to issuer.
⇧ Issuer bears fraud cost
1
Route only risky transactions to 3DS
Our risk engine reads signals on every transaction and only steps up the ones that actually need authentication. Low-risk traffic passes through frictionlessly — higher approval, zero drop-off.
2
Acquirer-independent — authenticate once
3DS runs on Truegate's layer, not the acquirer's. If a payment cascades to a different acquirer, the auth token travels with it. The cardholder never has to authenticate again.
3
Full liability shift on every auth
Whether a transaction goes frictionless or gets challenged, a successful 3DS authentication moves chargeback liability to the issuer. Your fraud cost goes to zero.
97%
Frictionless
+8%
Auth lift
100%
Liability shifted

Ready to see
3DS & Network Tokens
in action?

Talk to our team. We'll walk you through how 3ds & network tokens works for your specific setup.