3D Secure 2
Adding 3D Secure 2 can help ensure a secure checkout for your customers, protect your business against fraudulent transactions, and keep your transactions compliant with Strong Customer Authentication (SCA) requirements.
Get the latest updates on PSD2: SCA requirements and timelines here.
3D Secure 2 (3DS2) is the new industry standard for customer authentication and is a recognized solution for meeting PSD2’s Strong Customer Authentication (SCA) requirements. Braintree’s 3DS2 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 3DS2
For eligible cards, 3DS2 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 3DS2 (vs. 3DS1).
decrease in cart abandonment1
reduction in transaction time2
1-2. Frictionless Experience with Verified by Visa, Visa, 2018.
With built in support for both 3D Secure 1 and 2 authentication protocols, Braintree can help ensure your transactions meet SCA requirements.
Braintree’s solution supports exemptions that will be available under SCA requirements, so your customers can experience the least possible amount of friction on applicable transactions.
3D Secure 2 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.