Introducing Payer Authentication

Payer Authentication (also referred to as 3D Secure or 3DS2) uses a two-step verification process to add an extra layer of fraud protection during the payment process. During transactions, information about the transaction device, location, past purchasing habits, and other factors are analysed in real-time for indications of fraudulent activity. This data will be captured or supplied as part of the interaction with the cardholder during the payment process, depending on how you have integrated your payment gateway.

If the card issuing bank indicates that Strong Authentication is required, the cardholder and/or payment gateway will be asked to supply at least two of the following pieces of information:

Something they have:

Each payment card company has its own payer authentication product.

Payer authentication is a global service

and can be used to satisfy the Strong Customer Authentication (SCA) requirement of the Payment Services Directive (PSD2). SCA applies to the European Economic Area (EEA) and the United Kingdom. SCA requires banks to perform additional checks when consumers make payments to confirm their identity.

The payer authentication services help deter unauthorised use of cards and where applicable can help protect you from fraudulent chargeback activity. This protections is referred to as liability shift. It is recommended that you implement a comprehensive fraud management program in addition to payer authentication services