The Strong Customer Authentication regulation in Europe requires the use of 3DS for card payments.
How this will look on a Desktop Browser:
Step 1: The customer enters their card details.
Step 2: The customer’s bank assesses the transaction and can complete 3D Secure at this step.
Step 3: If required by their bank, the customer completes an additional authentication step.
How this will look on an IOS Device:
How it will look on an Android Device: