Overview

With the Transactions API, you can initiate an e-commerce transaction for payments by:

Features

Feature	Description
3D Secure (3DS)	Use the 3D Secure protocol to verify a cardholder's identity. It works by redirecting them to their bank's authentication page during checkout, where they need to verify their identity (usually through a code sent to their phone, biometrics, or banking app), helping to prevent unauthorised card usage and reduce fraud in e-commerce transactions. This is required for European transactions and recommended globally.
Address verification (AVS)	Check whether the provided address matches the address on file for a specific cardholder.
Dynamic descriptor	Provide a detailed description of the transaction, so that the cardholder can more easily recognise it.
Identity verification	Check whether the provided name matches the name on file for a specific cardholder.
Tokenisation	Substitute sensitive data with a non-sensitive equivalent to help secure payment information.