Why Smart PSPs and Orchestrators Are Moving 3D Secure Server In-House

In the evolving payments landscape, Payment Service Providers (PSPs) and orchestrators are under pressure to deliver faster, safer, and more cost-effective transactions—especially across high-risk, high-volume verticals like travel, e-commerce, gaming, and digital services.

The 3D Secure Server (3DS Server) is a critical component that connects your checkout process with secure cardholder authentication via the issuer’s Access Control Server (ACS). It initiates authentication requests, manages challenge and frictionless flows, and ensures compliance with EMVCo and PSD2 requirements.

Why Control Beats Outsourcing

While many providers still rely on third-party 3DS Server vendors, market leaders are now moving this capability in-house. And the reason is clear: full control leads to smarter routing, better conversion rates, and significantly lower operating costs.

1. Optimize Failover and Cascading

In a multi-acquirer environment, failover routing is essential. If a transaction fails with one acquirer, a smart in-house 3DS Server allows you to retry with another without restarting the entire authentication flow. This increases the efficiency of cascading strategies, minimizes friction, and preserves the customer experience—even during peak loads or provider outages.

2. Lower Total Cost of Ownership

Third-party 3DS Server providers often charge per-transaction fees and impose limitations on volume, features, or SLAs. With an in-house setup, PSPs eliminate these variable costs and replace them with a predictable, scalable investment model.

3. Take Full Control Over Authentication

When authentication flows are managed in-house, PSPs and orchestrators gain the ability to:

• Customize 3DS logic based on transaction type, risk, or merchant profile
• Integrate deeply with internal fraud systems and routing engines
• Quickly adapt to EMVCo and scheme updates without external dependencies

4. Faster Deployment, Higher Performance

Modern orchestration platforms like FinOn’s 3D Secure Server are API-first, EMVCo-certified, and built for fast integration. Businesses can go live within weeks and scale effortlessly across multiple payment regions and acquirers.

Key Features of FinOn’s In-House 3DS Server

• EMVCo 2.2 certified
• Hosted or on-premise deployment options
• Built-in RBA engine with dynamic flows
• Multi-device support (including biometric challenge flows)
• Easy API and SDK integration
• Real-time failover routing support

When Should You Bring 3DS Server In-House?

You should consider building or switching to an internal 3DS Server if:

• You operate across multiple geographies or acquirers
• Your transaction volume exceeds 500K/month
• You need faster adaptation to fraud and compliance updates
• You're losing revenue due to failed or delayed authentications

Why It Matters

Authentication isn’t just a checkbox—it directly impacts your approval rates, customer experience, and operational efficiency. In-house 3D Secure Server infrastructure puts control back in your hands. Discover how PSPs and orchestrators are reducing costs and increasing approval rates by moving 3DS Server in-house. Learn why control beats outsourcing.

Future-Proof Your 3D Secure Strategy

In-house 3DS infrastructure isn’t just a technical upgrade—it’s a strategic shift toward ownership, optimization, and resilience. By internalizing your 3D Secure Server and SDK stack, you unlock deeper authentication visibility, faster adaptation to card scheme changes, and long-term cost efficiency.

Modern orchestration platforms demand agility. With FinOn’s in-house solution, PSPs and orchestrators can test new authentication logic, launch A/B flows, and align risk-based authentication (RBA) with real-world merchant behavior—all without relying on external vendors.

Whether you're building a new payment stack or upgrading legacy systems, bringing 3DS Server in-house gives you a scalable foundation designed for performance, flexibility, and control.

Take the Next Step

If you're ready to take control of your 3DS authentication flow and build a resilient, scalable setup, learn more about FinOn’s 3D Secure Server solution and request a demo today.