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.
Start Authenticating Your Transactions
Sola’s online payment solutions feature powerful 3DS2 technology that protect merchants from fraud and boost sales. Tap into the Sola API to build a full gateway integration, or use our hosted checkout form, PaymentSITE, that can be embedded in an online checkout flow or used as a standalone form.
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.
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.
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?
