3-D Secure authentication for your
financial institution

If you issue or acquire cards, 3D Secure 2 will help you improve your
services and better satisfy your merchants and cardholders.

Are your merchants experiencing high
abandonment rates

They might be experiencing this because of the outdated 3D Secure 1.0 protocol you are using. 3D Secure 1.0 is not optimized for modern-day e-commerce, which makes checkout experience for users more annoying. And if merchants are losing sales by using your services, they will search for another payment service provider!

Are your cardholders
frustrated by annoying
authentication requests
every time they shop?

Cardholders expect their shopping experience to be as seamless as possible. Any additional challenge that you ask them to complete during checkout increases the risk of losing that cardholder to another bank.
By migrating from 3D Secure 1.0 to 3D Secure 2, you can introduce risk-based authentication for all transactions with your cards, which in many cases will make a checkout experience frictionless for your cardholders.

How 3D Secure 2 can help?

3D Secure 2 is optimized for the modern, omni-channel e-commerce world, where customers might be shopping from different devices and platforms. 3D Secure 2 also is fully compliant with PSD2 and SCA recommendations and is proven by Visa to reduce cart abandonments by 70%.

If you are acquiring cards

Introducing 3D Secure 2 means better customer experience and more authentication customization options for your merchants.

Every merchant wants to ensure that customer's authentication process is smoothly integrated into overall brand experience and with 3D Secure 2 merchants have full control over the experience authentication screen delivers.

If you are issuing cards

The biggest gain for you from introducing 3D Secure will be frictionless authentication flow.

Not all transactions are equally risky, hence not all transactions really need to be challenged with authentication.

But how do you know which transactions to challenge?

By introducing risk based authentication, using dynamic risk rules in real time that take into account historic behavior of a specific customer, the system can automatically detect when a transaction needs to be challenged, making the authentication process frictionless.

It's also proven by Visa that at least 85% of transactions experience frictionless authentication with this risk-based approach.

Want to learn more?


What's the difference
3D Secure 1.0
3D Secure 2

3D Secure 1.0 is still active, but a technologically outdated standard of authenticating card transactions over the internet. 3D Secure 2 is a modern standard that was developed by EMVCo. as a replacement for 3D Secure 1.0.

The difference between the two can be summed
up as follows

3D Secure 1.0

Static authentication flow, applied to every transaction
Static password, no PSD2/SCA compliance
Static, browser-based challenge page, not optimized for mobile formats

3D Secure 2

Dynamic risk-based flow, 95% frictionless (no authentication challenge)
Multi-factor, full PSD2/SCA compliance
Customizable, responsive challenge page for many device formats, including mobile embedded (SDK)

What about compliance with

PDS2 directive requires payment service providers to provide strong customer authentication (SCA) mechanisms for transactions made online. 3D Secure 2 offers a configurable, multi-factor authentication mechanism, tailored to each specific organization's needs.

Benefits of introducing
3D Secure 2

At least 85% of authentications are frictionless

At least 85% of clients conduct the transaction immediately, without any additional authentication needed. The fewer cardholders experience additional steps during their purchases, the bigger the chance that they will continue using your cards in the future.

Cart abandonment rate decrease by at least 70%

Projected improvement of cart abandonment rate by at least 70%, which improves merchants' revenues and increases the chance they'll continue using your acquiring services.

Full compliance

Full compliance with mandates of international organizations, such as PSD2 and Visa/Mastercard 3-D Secure implementation mandates.

Request more information about
3D Secure 2