Frictionless authentication means more legitimate sales for your business. 3DS 2.0 for Merchants uses a combination of machine learning, real-time analytics, a dynamic rules engine, and a global consortium neural network model that automatically transforms multiple dimensions of large-scale data (spanning both issuer and merchant data) into valuable risk insight.
This fuels our powerful authentication tools, both flexible and scalable, giving you options for verifying customers quickly and easily. This means that legitimate cardholders don’t have to deal with the hassle of multiple authentication steps, while the bad guys are rejected.
Plus, we help you comply with mandates and governmental regulations such as the EU Payment Services Directive (PSD2) as well as issuer-mandated authentication programs, like EMV 3-D Secure supporting risk analysis for other payment methods and transaction types. Bottom line? There’s no need to compromise—strike the right balance with 3DS 2.0 Merchants.
Real-Time Analytics – Identify and stop fraud in real time using EMV 3-D Secure data and predictive neural networks. • Where is the user? • What device is being used? • What is the user trying to do? • Is the action consistent with history?
Global Data Network – Gain unique visibility with scheme-agnostic data from issuers and merchants worldwide. • Multiple cards associated with bad device? • Is device confirmed fraud? • What’s happened at other issuers?
Strong Authentication – Step-up authentication identifies the cardholder with a wide range of options. • OTP via SMS • Push notification • Biometrics • Mobile OTP