What is a 3DS server?

16 May 2022 By PAYCEC

The 3DS Server is a functional interface that gathers information necessary to conduct the OTP message. The 3DS Server is intended for whoever wishes to support 3D Secure. It is often used by payment gateways, merchants, payment service providers, acquiring banks, issuing banks, and et cetera.

In simpler words, the 3DS takes in customer data, cross-checks it on the card scheme system, and finds out the customer’s phone number. It will then create a message with a bunch of generated random numbers called the One Time Password. The OTP message might come with a few other information like the amount of money that’s being transferred, the receiver name and account number. The 3DS Server also helps safeguard the message content along the way as it’s being transmitted.

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