What Is 3D Secure? A Complete Guide to Payment Authentication 3D Secure (3DS) is a payment authentication protocol that adds an identity verification step between a cardholder and their issuing...
Strong Customer Authentication (SCA): What US Merchants Selling to Europe Need to Know Strong Customer Authentication (SCA) is a regulatory requirement under Europe’s Payment Services Directive 2 (PSD2) that mandates two-factor authentication for...
SCA Compliance: A Merchant’s Guide to PSD2 Payment Authentication SCA compliance is not simply a matter of enabling 3D Secure and calling it done. Sophisticated merchants optimize their SCA...
Network Tokenization: How It Improves Authorization Rates and Security Network tokenization is one of the most impactful payment optimizations available to merchants that store card credentials — yet many...
EMV 3D Secure: The Technical Guide to 3DS2 for Merchants EMV 3D Secure (EMV 3DS, or 3DS2) is the current version of the 3D Secure payment authentication standard, developed by...
3D Secure Liability Shift: How Authentication Protects Your Revenue The 3D Secure liability shift is the most commercially important benefit of 3DS authentication. When a customer successfully authenticates via...
How Does 3D Secure Work? The Complete Transaction Flow Explained 3D Secure can seem like a black box — it happens behind the scenes, and merchants don’t always know what’s...
3D Secure for Subscription Merchants: Handling Recurring Authentication 3D Secure creates unique challenges for subscription merchants. Unlike one-off purchases, subscriptions involve an initial transaction (where authentication makes sense)...