The EMV 3D Secure you already know. And beyond.

EMV 3D Secure (3DS) is a security protocol that protects against fraud in card-not-present (CNP) transactions. It utilizes data exchange and risk-based authentication for better verification of cardholders, reducing chargebacks for merchants.

During checkout, a risk analysis takes place. This seamless layer assesses transaction risk behind the scenes, minimizing friction for legitimate purchases. If the risk assessment requires, an additional authentication step is triggered – often a code sent to the customer's phone or a biometric check. 

• Fraud reduction and fewer chargebacks.
• Liability shift protection for merchants.
• Improved customer confidence in online transactions.
• Compliance with industry regulations like PSD2.

Based on your requirements, you may choose to have our products licensed and deployed to your premises, whether it’s a private datacenter or one of the global cloud services, such as AWS, Azure or Google Cloud. Alternatively, you may opt in for the SaaS option and integrate to Finartz 3D Secure APIs. 

Finartz 3D Secure products are certifiable with all of the major card brands, such as Visa, Mastercard, American Express and more.  

Finartz 3D Secure products are compliant with PCI DSS and PCI 3DS. We have extensive expertise in audit processes and provide consultancy services during the audit.

Finartz offers varying levels of customization to help you balance security and user-friendliness in a way that matches your brand's needs.