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Until they do, you might want to check out our most popular content regarding 3D Secure and industry trends in online payment security.

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Decoupled Authentication Explained

Merchant Initiated Transactions (MIT), or the so-called 3RI (3D Secure Initiated Transactions), are not in the scope of PSD2. However, such transactions could also be the source of potential fraud if left unauthenticated. Until Decoupled Authentication, issuers were only able to accept mentioned types of transactions without authentication or decline. Decoupled Authentication enables buyers to […]
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3D Secure 1 vs. 3D Secure 2 – How is it different?

At first glance, one might think that 3D Secure 2.0 is a simple upgrade of 3D Secure 1.0. However, nothing could be further from the truth. Those two protocols are not even backward compatible. Outside of the main hub, everything is different. This includes message flow, message format, and what's the most important end-user look […]
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Enhancing 3D Secure with Risk Based Authentication

To further increase the security of 3D Secure payments, Risk Based Authentication (RBA) comes in play. Consider the following: a fraudster with your credit card information wants to process a payment, but the system recognizes that something is odd; and the transaction is automatically terminated or additional authentication is required. How so? Let's explore RBA […]
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