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U.S. Bank Europe DAC. Registered in Ireland – Number 418442..  Registered Office: Block F1, Cherrywood Business Park, Dublin 18, D18 W2X7, Ireland.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is regulated by the Central Bank of Ireland.
 
U.S. Bank Europe DAC. Registered in Ireland with Companies Registration Office. The liability of the member is limited. United Kingdom branch registered in England and Wales under the number BR022122.
U.S. Bank Europe DAC, trading as Elavon Merchant Services, is a credit institution authorised and regulated by the Central Bank of Ireland.  Authorised by the Prudential Regulation Authority.  Subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority.  Details about the extent of our regulation by the Prudential Regulation Authority are available from us on request.

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EMV 3D Secure 2.0 or 3DS2 helps increase authorization rates by providing an additional layer of authentication that prevents unauthorized eCommerce transactions. The protocol helps protect merchant customers from CNP eCommerce-related chargeback fraud. 

3DS2 promotes frictionless cardholder authentication during the online checkout process and requests additional verification only when the card-issuing bank classifies a transaction as high-risk. It sends a large dataset about the cardholder and transaction to the card-issuing bank. This step provides the card-issuing bank with more insight into each transaction for authentication prior to transaction approval or decline. 
 
Fraud liability shifts from the merchant customer to the cardholder and card-issuing bank in the following conditions: 

- The issuer successfully authenticates the payment using EMV 3D Secure 2.0 protocols (e.g., in the authentication response, the issuer confirms the transaction as authenticated or attempted authentication). 
- The card is a Visa, MasterCard, Discover or American Express. 

**Requirements** 

If you want to use 3D Secure 2 in Converge, then the following requirements must be met: 

- 3D Secure 2 enabled. Verify by calling :magic-link[/VirtualMerchantDemo/accountxml.do]{id="api-reference#tag/Terminal-Management"} with transaction type `terminalsetup`. 
- Region set to USA or Canada. 
- Market Segment set to Internet. 

3D Secure 2 is automatically setup for all transactions made that meets the general requirements for using 3D Secure 2 with Converge. No additional steps than those listed under requirements are necessary. 

3D Secure 2

Alliance Offers

Data as a Service

Invitation to Apply

Accounts

Bank Holidays

Card Activation

Card Controls

Challenge-Widget

Commercial Credit Cards

Commercial Statements

Credit Card Account Details

Credit Card Accounts Overview

Credit Card Alerts

Credit Card Application Status

Credit Card APRs

Credit Card Balance Transfers

Credit Card Disputes

Credit Card Payments

Credit Card Qualified Offers

Credit Card Statements

Credit Card Transactions

Data Sharing for Marketing Purposes

Digital Wallets

Make a Payment - Coming Soon

Rewards Accelerator

Rewards Automatic Redemption

Rewards: Balance Summary

Rewards: Dashboard

Rewards Redemption Accounts

Rewards Redemptions

Rewards Transactions: Earned and Redeemed

Travel Notifications

User Profile

3DSecure2

Avvance

CheckoutJs

Commerce SDK

Converge

Disputes Management

Dynamic Currency Conversion

eBoarding

Elavon Cloud Payments Interface

Elavon Payment Gateway

Fusebox

Hosted Payment Page

In Person Payments on Opayo

Leads

Lightbox payment modal

Online Payments on Opayo

Opayo

Opayo Direct

Opayo Forms

Opayo Reporting API

Opayo Server

Opayo Shared API

Payment Method Gateway

Payments Core 365

Simplify

viaconex

XML API

Card as a Service API

Core Banking API

Money Movement API

Reference API

Access Online Transactions

Account Transfers

Account Validation

ACH Originations

Bank Information

Card as a Service

Check Payables

Corporate Account Information

Corporate Account Information 3LO

Corporate Credit Cards

Corporate Onboarding

Corporate Statements

Custody

Data Toolbox

Data Toolbox - Accounts

Data Toolbox - Documents

Data Toolbox - Transactions

Debit Card Phone Number Lookup

Disbursements via Zelle®

U.S. Bank Flexible Capital Platform

Freight Payment Customer Profiles

Freight Payment Transactions

Incoming Webhooks

Instant Payments

Investment Accounting

PaySmart

Payee Choice

Payee Token+

Personal Loans

Positive Pay

Push to Card

Receivables

RTP® - Real-Time Payments

Tokenized Payments

Treasury Builder

U.S. Bank FBO Account

Virtual Account Reporting

Virtual Card Payments

Voyager Accounts

Voyager Cards

Voyager Drivers

Voyager Transactions

Voyager Vehicles

Wire Transfers

Overview

API reference

Integration guide

Customize payment page

Payment types

Take a payment

Transaction management

Additional options

Wallets

Point of sale lending

Currency conversion

Doing Business As

Export scripts

Fees

Shopping cart plugins

Billing and invoicing / Hospitality

Authentication

Invoice lifecycle

Managing invoices

Status and error codes

Elavon domains and IP addresses

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Response codes

Supported MCC currency codes

Test cards

Release notes