Your payments made easy

3D Secure Data Protection

Enhance your security against fraudulent payments with 3D Secure.

This allows you to authenticate any incoming payment by simply asking for an OTP (One Time Password) when your customers pay online.

'Verified by Visa' ‘MasterCard Identity Check’

3D Secure Authentication

3D Secure authentication or Three-Domain Secure (3DS) is simply asking customers to enter a code, or OTP that was sent to their phone when making online credit and debit card transactions.

Enjoy fraud-free conversions while you are released from the burden of liability for fraudulent transactions, with the responsibility shifted to the issuing bank of the card being used.

Increased security

Fraudulent chargeback liability shift lies on the Issuing bank

 Reduces the risk of chargeback/fraud

3D Secure 2.0 vs 3D Secure

3D Secure 2 (3DS2) is the new and improved authentication protocol. The protocol requires more biometric data to be processed in order to determine whether the cardholder is legit and the payments done are not fraudulent. Thus, 3ds 2 allows for a frictionless authentication process and even more security for the business owner.

3D Security protocol Process

The 3D authentication system will provide additional security towards risk management for both you and your customers while online transactions are being performed.

3D Secure Exemptions

The Authentication (SCA) flow can be altered through the 3 main categories.

Non-3D Secure Cards

We recognize that not all cards are enrolled or enabled for 3D secure. Therefore, we have engineered an alternative option to push the transaction through.

The ‘Attempt Non-3D’ option

If a transaction cannot be completed via the 3D secure route, then the transaction is re-attempted via non-3D automatically. In this way, your conversion rates are maintained, and you are then entitled to a chargeback from the issuer.