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.
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.