--- title: Securing Online Payments | EMV 3D Secure Solutions by Finartz description: EMV 3D Secure components by Finartz for acquirers, PSPs, issuers and payment networks. --- [Skip to Content](https://finartz.com/en/3dsecure#body) [![Finartz-Launch-Your-Payment-Initiative](https://finartz.com/hs-fs/hubfs/Finartz%20Logo%20(1).png?width=150&height=48&name=Finartz%20Logo%20(1).png "Finartz-Launch-Your-Payment-Initiative")](https://finartz.com?hsLang=en) Toggle Menu - [Home](https://finartz.com/en/) - Solutions Toggle children for Solutions - [Digital Wallet](https://finartz.com/en/digital-wallet) - [Payment Solutions](https://finartz.com/en/payment-solutions) - [Merchant Payment Solutions](https://finartz.com/en/merchant-payment-solutions) - [EMV 3D Secure](https://finartz.com/en/3dsecure) - [Finartz Passkeys](https://finartz.com/en/passkeys) - Knowledge Hub Toggle children for Knowledge Hub - [Developer Center](https://finartz.gitbook.io/) - [Learning Center](https://finartz.com/learning-center/payments-glossary) - [Blog](https://finartz.com/blog) - [Experience 3D Secure](https://finartz.com/en/3dsecure/experience) - About Us Toggle children for About Us - [Our Story](https://finartz.com/our-story) - [People & Culture](https://finartz.com/en/people-culture) - [News & Media](https://finartz.com/news) - [Contact Us](https://finartz.com/en/contact-us) - Open Search Search Submit Search - EN - [Contact Us](https://finartz.com/contact-us) - EN More secure. Better UX. # The EMV 3D Secure you already know. And beyond. Go beyond the minimum and use next-gen authentication to increase approval rates while reducing fraud with the help of Risk-based Authentication and Payment Passkeys. - ![emvco-60](https://finartz.com/hs-fs/hubfs/Partner%20Logos/emvco-60.png?width=276&height=60&name=emvco-60.png) - ![pci-70](https://finartz.com/hs-fs/hubfs/Partner%20Logos/pci-70.png?width=183&height=70&name=pci-70.png) - ![visa-120](https://finartz.com/hs-fs/hubfs/Partner%20Logos/visa-120.png?width=120&height=120&name=visa-120.png) - ![mc-50](https://finartz.com/hs-fs/hubfs/Partner%20Logos/mc-50.png?width=297&height=50&name=mc-50.png) - ![amex-60](https://finartz.com/hs-fs/hubfs/Partner%20Logos/amex-60.png?width=237&height=60&name=amex-60.png) - ![discover-60](https://finartz.com/hs-fs/hubfs/Partner%20Logos/discover-60.png?width=254&height=60&name=discover-60.png) - ![jcb-70](https://finartz.com/hs-fs/hubfs/Partner%20Logos/jcb-70.png?width=120&height=70&name=jcb-70.png) - ![unionpay-70](https://finartz.com/hs-fs/hubfs/Partner%20Logos/unionpay-70.png?width=111&height=70&name=unionpay-70.png) [Experience Finartz 3D Secure Now!](https://finartz.com/en/3dsecure/experience?hsLang=en) [Skip Navigation](https://finartz.com/en/3dsecure#after-page-nav) - [Access Control Server for Issuers](https://finartz.com/en/3dsecure#acs) - [SecureScore for Risk-based Authentication](https://finartz.com/en/3dsecure#rba) - [3DS Server for Merchants/Acquirers](https://finartz.com/en/3dsecure#3dss) - [Directory Server for Payment Networks](https://finartz.com/en/3dsecure#ds) ![3ds-experience](https://finartz.com/hs-fs/hubfs/3ds-experience.png?width=969&height=810&name=3ds-experience.png) Access Control Server for Issuers ## Seamless Shopping Experience Driven by Data Make smarters decisions through data to seamlessly authenticate your cardholders for a better payment experience and lower fraud rates. Available for on-premise and SaaS Supports all major card brands Real-time risk scoring engine for frictionless checkout FIDO Passkeys, push notification and OTP Feature-rich admin UI - Configrations, SSL & Monitoring Easy integration via web services [Experience Center](https://finartz.com/en/3dsecure/experience?hsLang=en) [Documentation](https://finartz.gitbook.io/finartz-3d-secure/access-control-server-acs) ![mission](https://finartz.com/hs-fs/hubfs/mission.png?width=2000&height=1920&name=mission.png) SecureScore RBA ## Frictionless Payments with Risk-Based Authentication Embedded module to manage 3DS related fraud rules and maximize frictionless transactions Dynamic rule management  RBA advice assists issuer decision   All relevant 3D Secure parameters   Includes Visa & MC Risk Analysis Future-proof   [Learn More](https://finartz.com/3dsecure/rba?hsLang=en) [Documentation](https://finartz.gitbook.io/finartz-3d-secure/securescore-rba) ![Market_2](https://finartz.com/hs-fs/hubfs/Market_2.png?width=2001&height=1801&name=Market_2.png) 3DS Server for Merchants, PSPs and Acquirers ## Reduce Chargebacks And False Declines Without Compromising Security Designed to scale, Secureartz 3DS Server enables merchants/acquirers to reliably process transactions even at peak periods. For merchants, PSPs, acquirers and processors  Available for on-premise and SaaS Supports all major card brands Easy merchant onboarding - Online & File Feature-rich admin UI - Configrations, SSL & Monitoring Easy integration via web services [Documentation](https://finartz.gitbook.io/finartz-3d-secure/3ds-server) Contact Us ![Tech_1](https://finartz.com/hs-fs/hubfs/Tech_1.png?width=2001&height=1801&name=Tech_1.png) Directory Server for Payment Networks ## The Heart of 3D Secure. Fully Customizable For Your Needs Connect acquirers and issuers and bring the innovation 3D Secure offers while having your own program rules Available for on-premise Professional services to create program rules Supports all major card brands and yours Stand-In ACS with Risk Scoring Detokenization support Feature-rich admin UI - Configrations & Monitoring   [Download Brochure](https://secureartz.com/hubfs/Finartz%20Directory%20Server.pdf) Contact Us Key Highlights ## Choose what best fits you | | (for ease of mind) SaaS | (for full control) On-Premise | | --- | --- | --- | | PCI DSS & 3DS | Compliant | Ready | | Card Brand Certifications | Certified | Ready | | Feature Rich Admin UI | | | | Easy Integration via Web Services | | | | Extensive Customer Support | | | | Implementation Support | | | ## Some of our customers' thoughts about us **Super supportive team and smooth process from implementation to production!** The team walked us through the implementation project plan and stepped in at every step. It would have take a lot more time and effort if it was not for the super supportive team at Secureartz.  ![](https://finartz.com/hubfs/raw_assets/public/@marketplace/Lynton/Framework_Plus/assets/images/testimonial-profile-image.png) **Engin Sarac** Lead Product Manager ## Payment insights, straight to your inbox Join our newsletter to stay in touch You may need to know ## Frequently Asked Questions What is EMV 3D Secure? 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. How does EMV 3D Secure work? 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.  What are the benefits of using EMV 3D Secure? - Fraud reduction and fewer chargebacks. - Liability shift protection for merchants. - Improved customer confidence in online transactions. - Compliance with industry regulations like PSD2. How do I implement Finartz 3D Secure products to my business? 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.  Do Finartz 3D Secure products work with all card brands? Finartz 3D Secure products are certifiable with all of the major card brands, such as Visa, Mastercard, American Express and more.   Are Finartz 3D Secure products PCI DSS and PCI 3DS Compliant? 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. Can I customize the EMV 3D Secure authentication process? Finartz offers varying levels of customization to help you balance security and user-friendliness in a way that matches your brand's needs. ## Insights & Resources ![](https://finartz.com/hs-fs/hubfs/emvco.png?width=700&name=emvco.png) EMV 3D Secure ### [EMVCo Nedir?](https://finartz.com/blog/emvco-nedir?hsLang=en) EMVCo teknik spesifikasyonlar, test protokolleri ve sertifikasyon süreçlerini yöneterek kartlı e-tic... Keep Reading ![](https://finartz.com/hs-fs/hubfs/3D%20Secure%20Masterclass%20Proje%20Dosyas%C4%B1.png?width=700&name=3D%20Secure%20Masterclass%20Proje%20Dosyas%C4%B1.png) EMV 3D Secure ### [EMV 3D Secure: Device Channels](https://finartz.com/blog/emv-3d-secure-device-channels?hsLang=en) Discover the components of 3D Secure transactions, including the 3 channels through which they can b... Keep Reading ![](https://finartz.com/hs-fs/hubfs/3D%20Secure%20Masterclass%20Proje%20Dosyas%C4%B1.jpg?width=700&name=3D%20Secure%20Masterclass%20Proje%20Dosyas%C4%B1.jpg) EMV 3D Secure ### [EMV 3D Secure: Mesaj Kategorisi](https://finartz.com/blog/emv-3d-secure-message-category?hsLang=en) Discover how EMV 3DS goes beyond payment authentication to enhance security measures and improve use... Keep Reading ### Want to learn more on how we can help you secure your online payments? [Let's Talk](https://finartz.com/en/contact-us?hsLang=en) [![Finartz Logo.Beyaz](https://finartz.com/hs-fs/hubfs/Finartz%20Logo.Beyaz.png?width=300&height=97&name=Finartz%20Logo.Beyaz.png "Finartz Logo.Beyaz")](https://finartz.com/?hsLang=en) Altunizade, Ord. Prof. Dr. Fahrettin Kerim Gökay Cd, 25 34662, Istanbul, Türkiye  0850 840 2134 © 2024 Finartz [Privacy Policy](https://finartz.com/privacy-policy?hs_preview=zsijUSdy-116224477638&hsLang=en) ###### Solutions - [Digital Wallet](https://finartz.com/en/digital-wallet) - [Payment Solutions](https://finartz.com/en/payment-solutions) - [Merchant Payment Solutions](https://finartz.com/en/merchant-payment-solutions) - [EMV 3D Secure](https://finartz.com/en/3dsecure) ###### Resources - [Our Story](https://finartz.com/our-story) - [News & Media](https://finartz.com/news) - [Careers](https://finartz.com/en/people-culture) - [Contact Us](https://finartz.com/en/contact-us) ###### Contact Us [info@finartz.com](mailto:hello@email.com) Have a question? Feel free to reach out. We love to hear from you! ```json { "@context" : "https://schema.org", "@type" : "FAQPage", "mainEntity" : [ { "@type" : "Question", "acceptedAnswer" : { "@type" : "Answer", "text" : "

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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. 

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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. 

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

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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.

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

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