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.

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.
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.
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.

With Enfuce, you issue payment cards that are…

Composable

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

Scalable

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

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!
“When you choose a provider, make sure that you choose one that can support you for the long term. One that has high up-time, a tech staff and foundation that’s really solid. Modularity is also important – you need to know that your partner can add on new things if you need them in the future, because you don’t want to go through either migration or re-carding again – this is a process you want to do once in your life, not twice.”

Thorbjørn Fink, COO at Pleo

Read more from Thorbjørn Fink, COO 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 Chairman of the Management Board at Memo Bank

Read more from Jean-Daniel Guyot, Co-founder and Chairman of the Management Board at Memo Bank
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
We have been just extremely happy about the level of commitment, enthusiasm, and craft Enfuce put in motion in order to help us deliver our card programs. This collaboration is instrumental in our ability to move fast across multiple geographies with an iterative approach to innovate. I guess it’s really about this great feeling you get with outstanding partner teams: they seem to be fully part of the company.

Quentin Vigneau, Product Director Payments at Swile

Read more from Quentin Vigneau, Product Director Payments at Swile
SEB Embedded was looking for a provider to help us get new products to market quickly and efficiently, including the extension of Card as a Service within BaaS. Our must-haves for any potential partner included speed and responsiveness, cost efficiency, flexibility, proactivity and scalability. The team at Enfuce has demonstrated impressive drive and commitment to support us on our journey. Adding to that, a deep industry knowledge and a modern technology stack, we are confident that Enfuce will be a strong long-term partner in our quest to become the first choice for Banking as a Service in Europe.

Christoffer Malmer, CFO, SEB

Read more from Christoffer Malmer, CFO, SEB
Partnering with Enfuce allows us to leverage their advanced technology and expertise to enhance our payment solutions. This collaboration is a significant step in our commitment to providing secure, efficient and reliable payment services to the UK public sector, ultimately benefiting the communities we serve.

Michelle Pacey, Managing Director, allpay

Read more from Michelle Pacey, Managing Director, allpay

3D Secure

What is 3D Secure?

One size does not fit all

Remove friction from the buying process

How to enable 3D Secure?

With Enfuce, you issue payment cards that are…

Composable

Scalable

Secure and compliant

Making a difference makes us happy.

Want to know more? Contact us!

Read more

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