Reduce your false declines with EMV 3DS (3DS 2.0) and behavioral biometrics while the automated processes take care of rules and policies, all in one package.
False decline reduction
More data, less declines. The 150 data points EMV 3DS gathers from the transaction at checkout give issuers better context to improve authentication decisions that reduce false declines.
Lower cart abandonment
Push those transactions to the finish line. Smart Interface reduces significant authentication steps on trusted users to guide transactions past the checkout, reducing customer frustration and abandonment.
Support across all channels
Don’t worry about the device. Provide the same streamlined experience to your users through any device including tablet, smartphone, and IoT devices, without ever compromising security or approval rates.
Keep your customers in your environment. Whether or not your user has to authenticate herself for a transaction, offer a consistent brand experience within your environment, leveraging your own branding and design to strengthen your customer relationship.
As an EMVCo partner, Mastercard companies provide a native understanding of 3DS2 protocol.
“With technology that authenticates the end user in parallel with authorization, merchants can save organizational costs and increase their transaction approval rates.”
Julie ConroyResearch Director, Aite Group
Understand each transaction
Not all transactions are created equal. Leverage the behavioral biometrics risk score before processing a transaction to decide if you want to send it through EMV 3DS or if you trust it enough to send it outside of the 3DS rails, reducing the chances of a step up.
Build your own process
Choose your own adventure. Create automated processes for each type of user; from what transactions you want to send outside of EMV 3DS to what step-ups you want your users to see. All in real time.
Expedite the process
Data Only allows to share only the data. Merchants can choose to send trusted Mastercard transactions directly to the issuer, outside of the 3DS flow to expedite the process and reduce the chances of an authentication request.
Avoid compliance headaches
Meet regulations in real time. Build your own rules and policies to automate compliance and policy requirements that follow regulatory and business needs.
Still have 3DS2 questions but don’t want to read the same fluff?