Floospay
The goal is to call out the fraudulent activity before it happens,

3D Secure 2



3D Secure 2 : An authentication standard that reduces fraud and provides additional security

The 3D Secure standard—often known by its branded names like Visa Secure, Mastercard Identity Check, or American Express SafeKey—aims to reduce fraud and provide added security to online payments.

3D Secure 2 (3DS2) introduces “frictionless authentication” and improves the purchase experience compared to 3D Secure 1. It is the main card authentication method used to meet Strong Customer Authentication (SCA) requirements in Europe and a key mechanism for businesses to request exemptions to SCA.

We offer a three-tier defense strategy to identify fraudulent activity and keep fraud from impacting your operations. The goal is to call out the fraudulent activity before it happens,

3D Secure: is a technology that helps verify a cardholder's identity with an additional layer of security. An authentication standard that reduces fraud and provides additional security
For extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check.
The Strong Customer Authentication regulation in Europe requires the use of 3DS for card payments.
3DS is optional in other regions but you can still use it as a tool to reduce fraud.