3-D Secure Split SDKs

Discover how you can add certified 3DS SDKs to complete your 3DS Server offering and make secure payments easier for you and your Merchants

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Easy Web SDK Mode

Give Merchants a single checkout framework for browsers (big + small), apps (iOS + Android) and even the Internet of Things (IoT)

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Next Gen Split SDKs

EMV 3DS v2.3.1.1 ready Split SDK Client + Server architecture; a better managed, easier 3DS checkout available... NOW!

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Universal SDK Mode

More than 3DS certified, uSDKs enable custom data collection for advanced authentication (FIDO + Behavioral biometrics)

Split SDK Pie

Split SDK Client

Perfect Size, Easy to Maintain

  • EMV 3DS Split SDK spec moved 3 of 7 SDK functions to the SDK Server
  • mSIGNIA enhanced the Split design using a Download SDK, moving all but 1 function to the cloud
  • Split SDK Client's sole purpose is to Exchange Authentication Data with the cloud
    • Authentication data MUST come from the client, everything should be in the cloud
    • Splits are the new digital identity token!
  • Split SDK Client is much smaller than 3DS Default iOS & Android SDKs (30Kb vs 1Mb)... Less code to test, Less likely to have bugs, Fewer Updates!
  • Splits can operate in constrained environments like gaming, speaker, and IoT
  • Easier to maintain… changes in Download SDK + SDK Server do not require merchant to re-release their app or update their website

1 Checkout Method


  • Same integration for iOS, Android + Browser
  • No 3DS, FIDO or other protocol expertise required… data is the new interface
  • Fewer Client updates + releases = less support
  • Issuers can also use the same Split SDK in their banking app ... easy 3DS Bridging Message Extension support

Easy as 1, 2, 3


  • Same Split SDK Client for Web, Split + Universal SDK modes
  • Add functionality and migrate customers whenever you are ready
  • Web Mode enables iOS + Android checkouts through a dynamic browser session, no changes by the PSP required
  • Splits is v2.3x certification ready
  • Universal SDKs enable advanced authentication features like FIDO + device tagging

Certified 3DS SDKs in Your Brand


  • Split SDK Clients can be branded by you and made freely available to your merchants
  • Split SDK Server can also be branded by you and typically runs at your site, usually alongside your 3DS Server
  • Split SDK Server manages clients and has an API for exchanges with your 3DS Server
  • Make vs Buy - cheaper, easier, and faster than doing the design, code, testing, and certification yourself

1 SDK, not 5


  • 1 SDK for 3DS, W3C/FIDO/WebAuthn, device ID, behavioral biometrics, and more
  • Issuers + Trusted 3rd Parties can send instructions through existing 3DS exchanges to select which authentication data to use; stops 'iFrame hijacking'
  • Eliminates step-ups, delays, and interruptions for 2-Factor Authentication (i.e., SCA)
  • Manages 3rd party browser origins to enhance crypto key management and solve browser data blocking of device tags
  • Faster checkout over first exchange, not 5th

Want to Learn How SDKs Will Increase Your Sales?