PXP's 3D Secure authentication service provides smart fraud protection that's fully PSD2-compliant and designed to keep things smooth for customers, using frictionless authentication wherever possible.
With PXP's 3D authentication, you can benefit from:
- Enhanced security: Reduce the risk of fraud by confirming the cardholder's identity.
- Regulatory compliance: Ensure your organisation meets PSD2 requirements, especially for Strong Customer Authentication (SCA).
- Customer trust: Boost customer confidence and foster trust by offering a secure checkout.
- Liability shift: When successful, 3DS shifts the responsibility for fraudulent chargebacks from you back to the card issuer.
- Reduced chargebacks: With added verification, fraud-related disputes drop significantly.
- Improved conversion rates: Frictionless authentication reduces disruption during the customer journey.
- Simplified operations: Configure endpoints for notifications and manage exemptions easily.
We currently support 3DS 2.2 for Visa, MasterCard, Amex and Diners.
Our 3D Secure authentication service is designed specifically to meet PSD2 requirements:
- SCA compliance: Multi-factor authentication using customer's device and knowledge/biometrics.
- Exemption handling: Evaluate applicable exemptions during authentication pre-initiation.
- Regulatory alignment: Built-in compliance with European Banking Authority (EBA) guidelines.
- Liability protection: Maintains chargeback liability shift when authentication succeeds.
- Future-proof: Adapts to evolving regulatory requirements automatically.
PXP's 3DS service offers two types of authentication:
- Standalone authentication: You use the PXP 3DS service to authenticate transactions before processing them through another provider.
- Integrated authentication: You use both the PXP 3DS service and the PXP card service, for seamless authentication and transaction initiation. You can choose to use just one type or use both.