What is 3D Secure 2.0?
Credit Card Authentication, But Better!
3D Secure 2 (3DS2) is the new authentication protocol for online card payments. 3DS2 is designed to improve upon 3D Secure 1 (3DS1) by addressing the old protocol's pain points, and delivering a much smoother and integrated user experience. Registration of card and password is not required by the cardholder, unlike in 3DS1.
What is Great about 3D Secure 2.0 (3DS2)?
More Sales with Less Friction
With 3DS2's Frictionless Flow, cardholders can authenticate themselves without being challenged. This quick and painless checkout process will benefit cardholders, while merchants can expect up to 66% less cart abandonment rates, according to Visa.Download Whitepaper
More Data = Greater Authentication Accuracy
With 10x more data collected, issuers can more accurately determine a transaction's risk. As a result, Visa's case study shows 95% of transactions are approved straight away, and cardholders will experience 40% less fraud.Read more about Non-Payment Authentication
Built for Mobile First
Gone are browser redirection and poorly scaled challenge screens. 3DS2 adds support for authentication in mobile apps. This means challenge screens can be presented from within the merchant's app, while looking and feeling just like a part of the app.Find out more about ActiveSDK
3DS2 vs 3DS1
Visa RBA case study: 2017 data
3D Secure 2 Flow
PSD2 and Strong Customer Authentication (SCA)
Revised Payment Service Directive (PSD2) in EU
The Revised Payment Service Directive (PSD2) in EU was introduced to promote new types of payment services, and enhance customer protection and security. PSD2 has set out deadlines for businesses to comply with its regulations.
Strong Customer Authentication (SCA)
Businesses that operate within the European Union will soon have to comply with SCA regulation changes that can have a significant impact on how business is conducted. SCA promotes the use of two-factor authentication and implementing 3DS2 is commonly agreed to be the best method to comply with SCA.Learn more about Comply with SCA under PSD2
Our 3D Secure 2 SolutionsA one-stop shop for all your 3DS2 needs
Payment Gateways & Merchants
3DS Server: ActiveServer
A cutting edge 3DS Server solution to authenticate transactions
- Cloud Deployment Ready
- EMVCo Certified
- Effortless Customer Experience
- Right out of the Box Deployment in Your Own Environment
- Interoperability with 3DS1 Protocol
Making Authentication Native
- Native Mobile Support
- Available for Both Android and IOS
- Complete ActiveServer Integration by Defualt
New Approach to Authentication
- Multi-Channel Authentication for Web & Mobile Devices
- Multi Issuer Support
- HSM Agnostic
- Support for 3DS2 & 3DS1
- Extensive Reporting and Customer Management
3DS2 Test Platform：TestLabs 3DS2
New Approach to Authentication
TestLabs can be used to test any 3DS component or to perform product integration testing.
Unlike many test tools that utilise simulators, TestLabs comprises live and fully developed 3DS2 components: ActiveServer (a 3DS Server), a 3DS2 Access Control Server and a Directory Server.