What is 3D Secure? How 3D Secure help you make better decisions?


Poor security negatively impacts your business and customers, so keeping customers secure when they’re paying online is a must. With many new ways to pay and new regulations coming to light, it’s time to get to know customer authentication beyond the regulatory standards.


The first edition: 3D Secure 1.0

If you’ve shopped online in the last decade then chances are you’ve experienced 3DS 1.0. It’s that moment you get sent to an often clunky page from your bank to confirm who you are. In completing this step, issuing banks, not the business you’re buying from, become liable to fraudulent chargebacks. It’s a consistent security step, but not great for your customers.This resulted in legitimate customers dropping out of the payment flow.


The second edition: 3D Secure 2.0

3DS 2.0 is a new standard introduced by EMVCo and the major credit card schemes. It brings a new approach to authentication through a wider range of data, biometric authentication and an improved online experience. This new protocol addresses many of 1.0’s issues, while bringing benefits across a wider set of use cases for businesses all over the world.


Increasing authorization rates with data sharing

3DS 2.0 is much more than a redirect. The combination of certified SDKs in the checkout flow, paired with data sharing APIs, means that 3DS 2.0 can be used as a tool to share rich data between businesses and banks. Over 100 potential data points are shared with issuing banks, meaning that the information you and card issuers know about your mutual customers can be used to make better risk decisions. The more information you have to support authentication cases, the higher the chances of authorizations.


With 3DS 2.0 it is possible to share data between banks and merchants silently in the background. Authorization rates can be increased with no perceivable change to the checkout flow by customers. Asiabills 3D service will help businesses decide when to send additional data to banks, automatically targeting transactions that are likely to see an uplift if data is shared.


Superior authentication experiences for customers

In many cases device information is enough to authenticate without an extra step for the customer. However, some transactions that have higher risk or regulations such as PSD2 require active approval. Asiabills 3D Secure help you build these flows.

Passive - The SDK and servers exchange all necessary information in the background. As the same time,the customer sees nothing.

Two-Factor - The user is asked to provide a two-factor authentication code sent via email or SMS.

Biometric - An app-switch to an issuing-bank app is facilitated by the SDK. The user can use their fingerprint or face in the issuing bank app. 


By offering more authentication flows, customers will be able to choose their authentication method of choice. And this means increasing security while reducing drop-off rates seen in older solutions that were based on static passwords. What's more,Asiabills 3D Secure will help you easily build these authentication flows natively into your apps and websites.

标签:  3D Secure payment chargebacks