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Denmark
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Spain

Americas

United States
Puerto Rico

Europe

Denmark
Germany
Ireland
Norway
Poland
Sweden
United Kingdom
Spain

3-D Secure and Strong Customer Authentication

Here comes the legal bit. Across the European Economic Area, it’s mandatory for businesses to implement Strong Customer Authentication (SCA). This requirement aims to make online sales more secure and to protect everyone involved in the payments process – from consumers and traders to acquirers and banks.

Implement 3-D Secure (3-DS) to keep your ecommerce business at the cutting edge of payment security, reducing fraud and strengthening your compliance with the legislation. 3-DS delivers compliance with the SCA requirements, the gold standard of card authentication across Europe.

Protect your online customers. Secure your business

3-DS is an additional security layer for online credit- and debit-card transactions and the industry standard tool.

The current version is 3-DS 2.2. It lets your issuing bank verify the cardholder’s identity when they’re making an online purchase – not only protecting the shopper from fraudulent use of their card details, but also protecting your business from dodgy chargebacks.

3-DS also means less compliance risk for your business. Customer identities are established using a range of fixed and contextual data, so liability for the transaction moves from you to the card issuer.

How does 3-D Secure work?

Integrate

Integrate

Enable 3-DS as part of your ecommerce payment solution, integrated within a hosted payment page or API. We’ll work with your developer to install it, quickly and efficiently.

Authenticate

Authenticate

Your customers enter card information to be verified by their bank: either there’s no need for further input, or customers are challenged to provide more information.

Process

Process

Once the payment data is authenticated, the transaction is processed securely and your settlement can be made. Simple, speedy and secure, for you and your customers.

Related resources

Why your business needs PCI compliance

Why you need PCI DSS compliance

PCI DSS compliance is not a luxury. For any organisation doing business and taking payments, it’s a necessity and compliance with PCI DSS should be top of the to-do list.

SCA for the travel and hospitality sector

SCA for the travel and hospitality sector

Embrace the changes that will protect you, your customers and your sales. Read our guide to Strong Customer Authentication for the travel and hospitality business.

What is carding and how can i prevent it

What is carding and how can I prevent it?

We’ll help you understand how fraudsters are exploiting ecommerce websites like yours to test cards. Learn how to protect your business from attack.

Is there anything else you'd like to know?

Click below to contact an Elavon payments expert.