3-D Secure ensures you comply with the EU's PSD2, as well as protecting you from fraud. 3-D Secure also helps reduce false declines while shifting the liability for fraudulent transactions to the issuing bank.
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How it Works
Frictionless flows
Seamless fraud prevention: Low-risk transactions can qualify for frictionless authentication, meaning no challenge is required to complete the transaction.
Challenge requests
Simple transaction validation: If a challenge is required, IXOPAY routes it to the end user. If completed, the transaction is approved for processing
3DS is available as part Risk Management Engine in the Payment Orchestration Platform or as a standalone Payment Optimization Module.
FAQ
Strong customer authentication (SCA) was established by the EU Revised Directive on Payment Services (PSD2) in 2019 to help support the security of digital transactions. It is a preferred method for ensuring the authenticity of card-not-present payments.
Meeting these SCA requirements requires multi-factor authentication (MFA) for card-not-present scenarios. 3-D Secure (3DS) technology satisfies this requirement and provides enhanced security that protects the cardholder.