3D Secure 2.0
Payment security,within reach
3D Secure 2.0- A Simple, Intelligent, and Secure Payment Verification Solution
What is 3D Secure 2.0？
3DS 2.0 is an important iteration of the 3DS authentication system in terms of transaction security, significantly improving the original authentication system
The new 3DS 2.0 offers a smoother user payment experience, eliminating the need for any redirections, and introduces risk-based assessment and biometric authentication support. It complies with SCA regulations, ensuring transaction security
Enhance user experience
Simplify identity verification, reduce prompts, and speed up the process to achieve a smoother user experience
Based on risk assessment
The card issuer assesses transaction risks, adjusts identity verification requirements, and provides a secure and convenient experience
Biometric verification
Supports authentication methods such as fingerprint and facial recognition, providing more comprehensive security and a more user-friendly interactive experience
Advantages of 3DS 2.0
Why choose3D Secure 2.0？
3D Secure 2.0 Transfer of responsibility
As the rule-setter for 3DS, the card group will fully protect the interests of merchants once they initiate 3DS verification. If the cardholder subsequently files a chargeback, the responsibility for the chargeback will be transferred from the merchant to the issuing bank, and even if the transaction involves fraud, the loss will be borne by the issuing bank
However, to obtain such protection, 3DS 2.0 must be used. VISA and MasterCard have ceased to maintain the liability shift policy during the use of 3DS 1.0
Our products
Wintranx 3D Secure2.0
Wintranx 3D Secure 2.0 can assist in addressing the ever-changing payment challenges, providing merchants with risk-based authentication and fully complying with SCA regulations, among other features. It helps merchants achieve higher transaction success rates, enhances user experience, and reduces payment friction
- Dynamic 3DS 2.0: Utilize 3DS authentication only when necessary, thereby reducing customer friction and enhancing conversion rates
- PSD2 – TRA exemption: Leverage the TRA exemption mechanism to the fullest extent in real-time to reduce friction, ensuring full compliance with PSD2
- Automatic recovery: The system automatically recovers valid transactions that failed in bank authorization
3DS 2.0workflow
