PREVENT
3D Secure Authentication
Risk-based authentication that challenges only the transactions that need it. Most customers pass through unchallenged, and where authentication succeeds, liability for fraud chargebacks moves from the merchant to the card issuer.
DISCOVER
What is 3D Secure 2.2?
3D Secure lets the cardholder’s own bank confirm the transaction is genuine. Where the bank is confident, it approves silently and the customer sees nothing. Where it is not, the customer is challenged via a code, a fingerprint, an app confirmation.
When authentication succeeds, liability for fraud chargebacks moves from the merchant to the issuing bank.
Risk-Based Authentication
Authentication requirements adjust per transaction using transaction, device and behavioural risk signals.
Approval Rate Optimisation
Better authorisation performance and fewer false declines through smarter authentication routing and decisioning.
Scheme & PSD2 Compliance
Flexible authentication orchestration that keeps pace with evolving scheme requirements and PSD2.
PROCESS
How It Works?
1. Cardholder’s input
Customer enters card details at checkout
2. Authentication request
Transaction and device data is sent to the issuing bank for authentication.
3. Bank’s approval
The bank decides to approve silently or challenge the customer.
4. Outcome
The outcome returns to your payment flow, with liability shifted where authentication succeeded.
Built for how you already work on payment
PayShields 3D Secure 2.2 offering is designed to address the evolving challenges of transaction security. It offers a leap forward for merchants with features like risk-based authentication, biometric and 2FA support, and full compliance with SCA regulations.
- Runs on your stack: A JavaScript SDK that binds to merchant’s existing checkout process. No payment provider change required.
- Rich transaction context: Over 100 data elements passed to the issuer, so the bank has what it needs to approve silently.
- Reduces disputes: Greatly improves customer authentication leading to reduced fraud and fewer disputed transactions.
- Enhanced user experience: Streamlined authentication process for a smoother user journey.
- SCA and scheme compliance: Meets Strong Customer Authentication requirements, with exemption handling that protects approval rates rather than challenging everything.
Ready to integrate with 3D Secure?
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