3D-SECURE

Reduce online fraud with Sola’s support for EMV® 3-D Secure

An advanced authentication solution for e-commerce merchants, now available through Sola.

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Start Authenticating Your Transactions

Reduce fraud and chargebacks

Improve conversions

Eliminate friction at checkout

Sola is proud to support all four of the major card brands’ exclusive 3DS2 solutions:

Visa Secure, Mastercard SecureCode, Discover ProtectBuy, and American Express SafeKey.

Discover

What is 3-D Secure?

3-D (Three-Domain) Secure is a card-not-present security protocol that was first developed by Visa over 15 years ago to reduce online fraud. It does so by providing issuing banks with the right tools and framework to analyze key data points and authenticate the cardholder’s identity during checkout—all within real time. As a result, merchants benefit from reduced rates of fraud and are not held liable for fraudulent transactions that were authenticated.

The card brands each have their own branded 3-D Secure solutions: Visa Secure, Mastercard SecureCode, Discover ProtectBuy, and American Express SafeKey.

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Introducing EMV®
3-D Secure 2.0

In recent years, EMVco—a global organization that oversees payment security—realized that there was a need for a next-generation 3-D Secure solution that would take into account the latest industry technologies and standards. As a result, EMVco launched its EMV® 3-D Secure solution, or EMV 3DS, in 2016. Previously known as 3-D Secure 2.0, this powerful technology incorporates the latest industry advancements and it’s on track to becoming a global standard for e‑commerce payment security.

EMV® 3-D 2.0 Secure Improvements

Robust risk-based authentication

EMV® 3-D Secure utilizes additional customer- and transaction-specific data points, such as the consumer’s email address, name, or phone number to authenticate a greater number of transactions in less time and without the cardholder’s involvement.

Removes friction & speeds up checkout

EMV® 3-D Secure’s robust data exchange reduces the odds that the customer will need to take the time to verify their identity. In the event that customer verification is needed, EMV® 3-D Secure offers even more customer-friendly authentication methods, and it enables merchants to embed the authentication process into their payment flow (rather than redirecting the cardholder to the issuing bank’s website).

Ready to get started?

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