3D Secure
3DS (3D Secure) is an online payment authentication protocol that enhances anti-fraud efforts. It requires cardholders to undergo an additional layer of verification, such as a one-time password or biometric scan, during online transactions. This extra step helps verify the identity of the cardholder, reducing the risk of unauthorized payments, improving overall payment security, and allowing merchants to shift chargeback liability to the Issuing Bank.
Independent 3D Secure usage becomes crucial for various reasons, notably in the EU where it's mandated for all transactions. High-risk Merchant Category Codes (MCC) like gambling or adult entertainment may require 3DS authentication due to increased fraud potential. Additionally, an agnostic 3DS tool becomes essential for downstream decision-making when transaction settlement details are uncertain, requiring independence from PSP 3DS implementations
Basis Theory 3D Secure Integrations offers a range of options to integrate 3D Secure into any company's payment infrastructure, alleviating the need for extensive PCI Level 1 compliance. These integrations connect with our existing services, ensuring a streamlined interaction with any 3D Secure partner.
How to use 3D Secure with Basis Theory
Basis Theory Universal 3D Secure
Basis Theory's Universal 3D Secure ensures seamless integration with our Elements and can be employed against any processor or acquirer that accepts 3rd-party 3DS authorizations. Through the use of our Universal 3D Secure, companies can swiftly route transactions to any processor with a single integration.
To begin leveraging our Universal 3DS, reach out to initiate the integration process.