3-D Secure

Here comes the legal bit. Across the European Economic Area, it’s mandatory for businesses to implement Strong Customer Authentication (SCA). This requirement aims to make online sales more secure and to protect everyone involved in the payments process – from consumers and traders to acquirers and banks.

Implement 3-D Secure (3-DS) to keep your ecommerce business at the cutting edge of payment security, reducing fraud and strengthening your compliance with the legislation. 3-DS delivers compliance with the SCA requirements, the gold standard of card authentication across Europe.

3-DS is an additional security layer for online credit- and debit-card transactions and the industry standard tool.

The current version is 3-DS 2.2. It lets your issuing bank verify the cardholder’s identity when they’re making an online purchase – not only protecting the shopper from fraudulent use of their card details, but also protecting your business from dodgy chargebacks.

3-DS also means less compliance risk for your business. Customer identities are established using a range of fixed and contextual data, so liability for the transaction moves from you to the card issuer.