Skip to content

3D Secure

E-commerce fraud is the biggest source of card fraud. That’s why payment security should be your top priority, especially as more and more buying moves online. 3D Secure is designed to combat card fraud through a two-step authentication process.

Create Card Programmes with 3D Secure

What is 3D Secure?

3D Secure is an identity authentication protocol that adds a layer of security to credit and debit card payments online. Europe’s Strong Customer Authentication regulation requires the implementation of 3D Secure, and it’s an optional tool to reduce fraud in other regions.

Woman making payment

  • One size does not fit all

    While the card schemes standardise 3D Secure, there are many ways that you can implement strong customer authentication. Enfuce tailors the 3DS process to align with local expectations and fit smoothly into the checkout process.

    There are regional differences in how customers prefer to authenticate their identity. Therefore, we support many types of customer authentication, including biometric authentication like fingerprints and facial recognition, and different national identification schemes.

    Parent with child on shoulders

  • Remove friction from the buying process

    Not all online payments are equally risky. Enfuce supports risk-based authentication, meaning that low-value payments or recurring payments to known merchants don’t need to be authenticated separately. The buying process is optimised to avoid fraudulent transactions but the checkout flow remains smooth.

    Woman with shopping bags on phone

  • How to enable 3D Secure?

    Enfuce removes complexity for card issuers by taking care of 3D Secure implementation on their behalf. Payment regulations evolve, and this means changing requirements for card issuers.

    Enfuce is always up-to-date with the latest developments. We run the whole 3D Secure 2.2 process in-house from end to end on our Access Control Server, making integration easier for you and removing the need for additional vendors.

    Couple looking at phone

With Enfuce, you issue payment cards that are…

credit-card

Composable

Choose features and services from our modular offering and design a payment card product to fit your exact needs.

trending

Scalable

Access a cloud-based platform with capacity to scale globally across multiple currencies and regions without scaling costs.

Lock icon

Secure and compliant

Benefit from 99.99% uptime, 24/7 fraud monitoring, dispute management, and PCI-DSS, GDPR and PSD2 compliance.

  • Making a difference makes us happy.

    As a customer, you’ll get easy-to-use, safe and scalable payment solutions that your customers and end-users worldwide can trust and love. Check out what our customers think about working with us!
  • The collaboration with Enfuce is enabling us to offer more cutting-edge features to our existing and new customers faster. With their card-issuing service, we’ve been able to smoothly and quickly onboard end-users in six markets.
    Niccolo Perra, CTO and Co-Founder at Pleo
    Read more from Niccolo Perra, CTO and Co-Founder at Pleo
  • We and Enfuce spoke the same no-nonsense language right from the start. Like us, they don’t beat around the bush. We understand how they work, and they understand how we work. This is a huge asset for us when it comes to technical discussions and development.
    Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank
    Read more from Jean-Daniel Guyot, Co-founder and President of the Management Board at Memo Bank
  • With a card issuing solution, we have been able to further strengthen our value proposition for the increasingly demanding market by introducing new functionalities fast.
    Jonas Hultin, CEO at Rocker
    Read more from Jonas Hultin, CEO at Rocker
  • Enfuce has enabled us to build smarter and socially conscious banking services. They’re not only a partner in our venture, they are a crucial element in our above-and-beyond value proposition to our customers.
    Haukur Skúlason, CEO at indó
    Read more from Haukur Skúlason, CEO at indó
  • Unlike many other processors, Enfuce has been able to filter out all the payments-related jargon and present the solutions in simple terms.
    Thomas Jansson, Chief Growth Officer and Co-Founder at Qred
    Read more from Thomas Jansson, Chief Growth Officer and Co-Founder at Qred
  • Enfuce’s service enabled us to meet and exceed all PSD2 requirements, and tap fully into the opportunities of open banking. With Enfuce’s platform and industry-leading expertise, everything was taken care of — from the fine print to fully deployed APIs.
    Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking
    Read more from Jari Jokisilta, Head of Baltic Development and Maintenance, OP Corporate Bank, Baltic Banking

Want to know more? Contact us!

Read more

Related news and articles.

Press releases Enfuce achieves milestone in mobility segment, launching Visa’s Fleet 2.0 solution
Enfuce achieves milestone in mobility segment, launching Visa’s Fleet 2.0 solution
6 Dec 2023
Press releases Enfuce customers get added security with a real-time card spending control tool
Enfuce customers get added security with a real-time card spending control tool
20 Oct 2022
Blog Towards fraudless Open Banking by combining intelligent monitoring, strong solutions and human expert evaluation
Towards fraudless Open Banking by combining intelligent monitoring, strong solutions and human expert evaluation
25 Nov 2020