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Comply with the SCA requirements of PSD2
Seamlessly integrate multifactor authentication into your checkout process
Reduce false declines and chargebacks, potentially shifting liability to issuers
For organizations subject to Payment Services Directive 2--or those looking for a more secure checkout experience--3-D Secure can be a valuable solution for strong customer authentication. As a result, organizations can reduce false declines and increase approvals while minimizing their PCI scope and preserving their ability to work with any payment service provider.
TokenEx is an open API platform, so you have the freedom to use our tokens and services with any third party you want. That means you're not limited to using our 3DS service with a single processor or provider. We also offer unmatched PCI scope reduction, so you never have to handle raw cardholder data.
3-D Secure is a three-step process for authentication that verifies an individual's identity before authorizing an online credit or debit card transaction. It also shifts the liability for a fraudulent transaction to the issuing bank, so you can avoid paying for chargebacks if fraud occurs.
No. There are certain exemptions for low-risk transactions, so if a transaction is below a certain threshold, it will not require a 3DS challenge. To pass a Transaction Risk Analysis (TRA), none of the following checks should apply to a transaction: