Add a data-driven, frictionless authentication solution to your checkout that can help ensure security for your customers and help protect your business against fraudulent transactions.
3D Secure 2.0 (3DS 2.0) is the new industry standard for customer authentication and is a recognized solution for meeting PSD2’s Strong Customer Authentication (SCA) requirements. Braintree’s 3DS 2.0 solution is easy to integrate and provides a simple way to authenticate eligible card transactions with a low-friction checkout experience for cardholders.
Key enhancements to 3DS 2.0
Provides a more seamless mobile experience with native SDKs for both Android and iOS
Uses device and browser data for more accurate risk assessments that typically happen behind the scenes rather than requiring cardholder involvement
Offers better, more secure methods to replace static passwords in the rare event of a challenge
Helps meet SCA requirements for biometrics and two-factor authentication (2FA)
For eligible cards, 3DS 2.0 can move liability for chargebacks due to fraud from the merchant to the card issuer.
Data shows that issuers may approve more transactions when using 3DS 2.0 (vs. 3DS 1.0).
decrease in cart abandonment1
reduction in transaction time2
1-2. Frictionless Experience with Verified by Visa, Visa, 2018.
3D Secure is an additional fraud protection layer for online credit and debit card transactions that adds an authentication step for customers making online purchases.
SCA requirements have been the source of a lot of questions -- and a lot of uncertainty -- for merchants who do business in affected countries. We’ve put together some resources to help you understand these requirements and prepare your business.
Our newest front-end SDK is built to support all 3DS 2.0 authentication pathsRead the 3D Secure 2.0 Adoption Guide
Our quick-reference guide outlines SCA requirements and 3DS 2.0 benefitsRead the SCA and 3DS 2.0 overview
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