Identity Check

Mastercard Identity Check

Mastercard Identity Check, backed by EMV 3DS, raises the bar on authentication by enabling greater security and a consistent user-friendly digital payment experiences to help reduce fraud, false declines and unnecessary online checkout friction.

Target Audience

  • Issuers
  • Merchants

Related APIs


Components that can be outsourced to Engage partners

Here's an overview of the Identity Check value chain using qualified Mastercard Engage partners.

* The 3DS Client must be an approved SDK when the merchant side is in-app.

EMV 3DS ACS

To offer more secure transactions to consumers, issuers may implement an ACS, which is part of the Mastercard Identify Check solutions. This EMV® 3DS ACS can be supplied by a Mastercard® Engage–qualified partner.

EMV 3DS Server

To offer more secure transactions to consumers, merchants may implement a 3DS Server, which is part of the Mastercard Identity Check solutions. This EMV® 3DS Server can be supplied by a Mastercard® Engage–qualified partner.