Fraud-free and 3D secure

Every transaction, every cent earned - all the information you need to make smarter, faster and more-informed decisions is at your fingertips. logo on shield

Why PSD2 is safer

New laws launched in 2020 require all online merchants to take stringent security precautions to keep you, your partners and your customers safe from online fraud.

One little password is the only thing protecting you from fraud.
Boosts security by adding 3 authentication layers e.g. code from another device, token, face ID.

More customers for you!

A secure, frictionless checkout means customers can shop in confidence without frustrating delays. All the better for your business! sample user: Bessie Cooper sample user: Courtney Henry sample user: Jerome Bell
widget showing growth in customer count via dashboard

Everyone wins with a smart checkout

We use advanced AI to assess each payment and apply just the right level of security

Recognized customer behavior

We exempt your regular and “known” customers from excessive checks so they flow through checkout quickly.

customer behavior

When we see something/ someone suspicious, we get as strict as we need to.

The end result: More happy customers. Everyone wins.
Any platform:
With our 3D-secure component, you’ll have an in-built, fully customizable UI up and running in minutes.
Web UI:
Works where you need it to - on web, iOS and Android.
Link-based payments:
When your customer requests a link, that’s exactly what they’ll get. Use our link to direct them to a secure, Pay-backed checkout page.
E-commerce Plugin:
Use our range of  3D secure plugins for the main eCommerce platforms - Magento, WooCommerce etc.

An in-depth look at PSD2

1. PSD2 in a nutshell

PSD2 is short for the Payment Services Directive (version) 2. It refers to a body of legislation that was intended to create a safer and more competitive payment landscape across USA.

PSD2 chart

2. What is SCA?

Strong Customer Authentication (SCA) is one of the requirements of PSD2. Its aim is to make online and (contactless) offline payments more secure. It asks merchants to add at least 2 of the following 3 authentication pathways into their online checkout:

Ask the customer for information they KNOW
( e.g a password )
Something the
customer HAS
( e.g a hardware token )
Ask the customer to prove who they ARE
( e.g a fingerprint or face ID ) SCA security illustration

What is an SCA exemption?

3DS2 applies security checks based on the perceived risk of a transaction so your regular customers are not inconvenienced by time-consuming security checks. Here’s how it works:

The system decides how risky the transaction is based on the amount being spent and whether the shopper is known to your store
Regular/familiar customers and those spending an expected amount are “exempted” from extra security measures
Only unfamiliar customers, large sums and suspicious behavior is subject to more stringent checks

What is 3DS2?

3D Secure 2 (3DS2) is the updated security protocol that was formerly 3D Secure 1 (3DS1). Here’s what you need to know:

It protects customers shopping online with a credit or debit card
It uses a secure three-way authentication process to confirm the buyer’s identity
It performs as many security checks as possible in the background so the customer gets a smoother shopping experience authentication illustration
Ready to secure your checkout?

Create a 3D-secure, PSD2-compliant checkout now and attract more customers while keeping your existing ones happy.

Get started now