The best way to implement 3DS2 for your payment authentication process is by using a payment gateway solution like TRU Security. This is an out-of-the-box solution that is SCA ready. Using Artificial Intelligence (AI) for AML, fraud detection and enhanced 3D Secure 2 as standard, TRU Security will detect fraud and cyber threats through continuous behavioural authentication.
If your business operates in Europe and accepts online card payments, implementing 3-D Secure 2 (3DS2) is an essential update to your payment systems, required by all the card schemes (Visa, Mastercard, Amex, Discover/Diners) for online transactions. Your business needs to be up and running on 3DS2 to comply with EU laws and avoid card declines.
Providing a frictionless payment process offers a tangible advantage that will help your customers make purchases quickly and effortlessly. According to Visa, 3DS2 will see around 95% of transactions go through automatically, drastically reducing the requirements for additional verification typical before introducing this technology.