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EMV 3DS Future Proofs Your eCommerce Payments

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What is EMV 3DS?

EMV 3DS is a global payment security standard. You can think of it like the chip & pin on your physical credit card, but for card-not-present (CNP) purchases.

Often known by its branded names (ie. Visa Secure, MasterCard Identity Check, American Express Safekey and Discover Protect Buy), 3-D Secure is a protocol that enables card issuers to authenticate consumers, secure purchases, and prevent CNP fraud.

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3DS2

Also referred to as 3DS2, EMV 3DS allows card issuers to authenticate consumers without adding friction to the payment process. Everything happens behind the scenes using risk-based-authentication.

  • Provides issuers with access to over 150 additional data parameters resulting in a 95% authentication rate
  • Is optimized for web, mobile, and in-app purchases
  • Enables Strong Customer Authentication (SCA) so merchants are able to comply with PSD2
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The Transaction Add-On That Adds Up

When a consumer is successfully authenticated, PAAY shifts the chargeback liability off of the merchant and onto the card issuer. Furthermore, authorization rates are proven to be higher when the consumer is authenticated.

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Still Wondering How It Works?

Check out our demo to see frictionless authentication in action!

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PSD2 & SCA Explained

The Payment Services Directive 2 is a banking regulation issued in the European Economic Area (EEA) by the European Banking Authority (EBA). PSD2 is an open banking initiative that seeks to improve consumer protection, boost competition, and innovation. The legislation states that merchants must use Strong Customer Authentication (SCA) on e-commerce transactions when the acquirer and the issuer are both in the EEA.

Unlike the frictionless authentication, SCA doesn’t happen behind the scenes. Instead, it requires consumers to verify their identity using two of three elements:

  • Something they are (biometric)
  • Something they have (phone)
  • Something the know (password)

This is known as two-factor authentication.

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Be PSD2 Ready with PAAY

As of now, EMV 3DS is the only tool available to perform SCA on purchases made via credit card to comply with PSD2.

PAAY supports SCA by enabling the use of two-factor authentication. Its flexibility allows issuers to set authentication preferences using their preferred risk and regulatory factors. In other words, issuers decide how the customer will be authenticated by using a one-time-passcode, knowledge-based questions, or biometrics.

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PAAY Puts EMV 3DS to Work for You

As a certified provider of EMV 3DS, we’ve built a simple, secure, and seamless 3DS solution for merchants and payment service providers.

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Merchants

Start protecting your online sales today. PAAY's 3-D Secure platform and developer documentation make it ease to install PAAY and monitor transaction.

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Payment Service Providers

Stay Competitive and grow your business with PAAY. Our Partner Platform empowers payment service providers to offer 3DS to their merchants at a wholesale rate.

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Authenticating

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Authenticating

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