---
title: "3DS 2.x / EMV 3D Secure Compliance Checker"
method: POST
path: "/v1/tools/check_3ds_sca_compliance"
tags: ["3DS", "EMV", "SCA", "PSD2", "PSD3", "frictionless", "challenge", "TRA", "liability shift", "FCA", "AP2"]
---

# 3DS 2.x / EMV 3D Secure Compliance Checker

`POST /v1/tools/check_3ds_sca_compliance`

## Request

- Base URL: `https://ainumbers.co`
- URL: `https://ainumbers.co/v1/tools/check_3ds_sca_compliance`
- Auth: none declared

Assesses 3DS 2.x authentication implementations against PSD2 SCA requirements, draft PSD3, and FCA UK SCA rules. Evaluates frictionless vs. challenge flow eligibility, SCA exemption applicability (TRA, low-value, trusted beneficiary, recurring), liability shift status, and soft decline handling.

**Tool URL:** https://ainumbers.co/tools/228-3ds-emv-compliance-checker.html
**AP2/Policy Mandate export:** yes

## Request body

- object
  - `jurisdiction` string, required
  - `amount_eur` number, required
  - `tds_version` string, required
  - `exemption_type` string
  - `tra_fraud_rate` string

## Response `200`

Successful tool execution result

- object
  - `compliance_status` 'compliant' | 'issues_found'
  - `flow_decision` string
  - `findings` object[]
  - `exemption_details` object
  - `ap2_mandate` object

---

[API](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite.md) · [All operations](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/llms.txt) · [OpenAPI document](https://skmtc.dev/ainumbers/apis/ainumbers-co-fintech-intelligence-suite/revisions/b462e4f5bb28?raw)