Topline OS now supports 3D Secure (3DS) on NMI and Square. When a card or region requires extra authentication, customers are prompted to verify the payment, improving approval rates and helping you meet SCA and issuer requirements without extra setup.
3DS challenge support for NMI and Square transactions where required or recommended
Automatic step-up: triggers 3DS only when needed based on issuer, region, or risk
Seamless customer challenge modal with clear messaging and retry handling
Works in hosted checkout, invoices, payment links, and subscriptions where supported by the gateway
Clear status and reason codes in payment details to distinguish 3DS-required declines vs generic declines
Keep your checkout copy reassuring: “Your bank may ask you to verify this payment”
Encourage customers to complete the in-bank verification instead of retrying different cards
For recurring billing, capture 3DS on the initial payment to improve subsequent renewal success
Monitor declines labeled authentication_required to spot where 3DS helps most
Step 1
Open Settings → Payments → Integrations and connect NMI or Square if not already connected.
Step 2
In the gateway settings, enable 3DS/Authentication where available. Use Topline OS checkout, invoices, or payment links as usual. The system automatically invokes 3DS when required.
Step 3
For subscriptions, ensure the first charge is authenticated (use a payment link or invoice checkout to capture 3DS on signup).
When will customers see a 3DS prompt
When the issuer or region requires additional authentication (e.g., SCA in the EEA) or the gateway/issuer flags the transaction for step-up.
Do I need to change my checkout
No major changes. Use the built-in checkout, invoice, or payment link. 3DS triggers automatically when needed.
Does this work for subscriptions
Yes, for the initial payment where supported. Subsequent renewals may not require re-auth if the issuer permits.
What happens if a customer fails 3DS
The payment is declined with an authentication-required or similar code. The customer can retry and complete the challenge.
Is 3DS available on all cards and countries
Coverage depends on card networks, region, and gateway capabilities. NMI and Square handle eligibility automatically.
