Here is a 3DS Use Case for the United States
Blog post from Basis Theory
3D Secure (3DS) is used in only about 3% of U.S. e-commerce transactions as of 2025, largely because there is no regulatory mandate comparable to Europe’s PSD2 requirements and merchants fear additional authentication steps may reduce checkout completion. The protocol enables card issuers to verify online cardholders through frictionless or step-up authentication and can shift chargeback liability from merchants or platforms to issuers after successful authentication. Although U.S. businesses commonly rely on basic fraud and address-verification checks, 3DS can offer value when deployed selectively rather than universally, particularly for transactions with ambiguous fraud scores, soft declines requiring further authentication, and high-risk sectors such as airlines. Modular, processor-agnostic 3DS implementations can separate authentication from authorization, allowing platforms to authenticate selected payments before authorization or retry soft-declined transactions after issuer verification, potentially improving approval rates while managing fraud exposure.
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