Keep your transactions compliant with Strong Customer Authentication (SCA) requirements and bring more friendly user experience to your customers with a 3D Secure 2, also known as EMV 3D Secure. It’s a brand new secure authentication protocol which supports app-based authentication. 3DS SDK makes it easy to integrate all new 3DS features into your e-commerce app.
In the app-based flow, a cardholder initiates a transaction on a mobile device (Android or iOS) from a 3DS-enabled app. 3DS SDK collects as many data from the mobile device as possible and sends it to a cardholder’s bank. The bank then can make decision if the data is enough to trust that the real cardholder is making the purchase or it needs further proof.
If bank verification is passed then the transaction goes through the “frictionless” flow and the authentication is completed without any additional input from the cardholder. The ability to share more data using 3D Secure 2 aims to increase the number of transactions that can be authenticated without further customer input.
If the bank decides cardholder needs to pass further verification, the transaction is sent through the “challenge” flow and the customer is asked to provide additional input to authenticate the payment. Authentication is embedded directly into mobile checkout flow, no more redirects. It also might be implemented as authentication through the mobile banking app using fingerprint or even facial recognition (“out-of-band authentication”). New challenge flow aims to make authentication smoother and more reliable using latest techniques.