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UltraCart’s integration with https://www.paay.co/ allows merchants to support 3DS 2.0 / PSD2 requirements.

Apart from meeting the Strong Customer Authentication (SCA) compliance under PSD2, there are numerous benefits to the new 3DS 2.0 protocol, especially from a mobile payments standpoint. The improved design dramatically increases the user experience on mobile devices by being fully compatible with mobile wallet applications and in-app transactions. 3DS 2.0 is user friendly where 3DS 1.0 was not.

Benefits of implementing 3DS 2.0:

  • With the addition of an SDK component, comprehensive integration with mobile apps is
    now possible, allowing merchants to natively integrate 3D Secure into their mobile apps.

  • Merchants can ensure that the authentication process looks
    and feels consistent with the rest of the app

  • Dramatically increases the user experience on mobile devices, including
    non-browser based platforms and mobile integration

  • Biometric authentication whilst still in the merchant’s app it will
    likely just feel like a valid security measure

  • The merchant’s platform will only require additional authentication if the risk is high –
    that will happen in only a small percentage of the transactions

  • Authentication activity will be invisible to the cardholder

  • 3DS 2.0 brings the promise of machine learning algorithms to better risk assessment. The new algorithms allow for a seamless data exchange across the three domains (merchant/acquirer, issuer, and interoperability). Furthermore, 3DS 2.0 utilizes machine learning and has 10 times more assessment data points than its predecessor, allowing for a more robust risk-based authentication. This means that with 3DS 2.0, repeated purchases online would be marked as low-risk by the merchant and issuing bank, which translates to a faster, easier, and more secure payment.

To learn more, please visit: https://3dsecure2.com/

Pre-requisites

  • Your payment gateway must be:

    • Network Merchants (NMI)

    • PayPal Payflow Pro

    • World Pay Business

    • Braintree (*Does not support rotating gateways configuration)

  • You must utilize the StoreFront checkout on a visual builder based theme (Elements, Hero, Lifty, etc.)

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