The modern way to authenticate online card payments without sending every customer through a password screen.
From passwords to data
The first version of 3-D Secure relied on static passwords and pop-ups that frustrated customers. 3DS2 shares rich transaction and device data with the issuer instead.
Frictionless vs challenge flows
When the issuer is confident, the payment goes through without any extra step. Only riskier transactions are challenged, typically via the bank's app.
Liability shift
Successfully authenticated payments usually shift fraud liability to the issuer, which protects merchants from many fraud-related chargebacks.
Accept cards and wallets with Finoptiq
Visa, Mastercard, Apple Pay and Google Pay through one integration.
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