Abstract: The issue of payment security has always been one of the most important tasks of any payment system. Engineers and cryptographers are constantly working to create new algorithms and security systems, while hackers are looking for these systems’ vulnerabilities. The introduction of the EMV standard for physical cards and the 3D Secure technology for online payments had significantly limited the fraudsters’ opportunities to expose and falsify card data and exploit stolen details. This article contains a general overview of the history of the creation of this technology, the principle of its operation and the path of development. The transition of payment programs to work with an integrated SDK (software development kit) will increase the speed and convenience of the transaction confirmation process. At the same time, thanks to the transfer of the device’s fingerprint, the level of "recognition" by the issuer of its client will also significantly increase. The share of transactions requiring confirmation will rapidly decrease with the spread of such applications and their active use by cardholders to pay for goods and services. Payment authentication for merchant­initiated payments will also increase the conversion of payments for subscriptions to regular services, which have become especially popular in recent years with the transition to a service consumption model. The article has a scientific and methodological character.