Understanding Strong Customer Authentication & PSD2
7 minutes
3D Secure 2
3DS2: Using 3D Secure 2 to reduce payment fraud
Reduce fraud, increase conversion, be ready for PSD2, and provide customer-friendly authentication with 3D Secure 2.
The payment authentication landscape is changing
European Economic Area (EEA)
Most countries in the EEA have implemented the PSD2 SCA legislation since January 2021.
Australia
AusPayNet regulations require merchants above certain fraud thresholds to apply SCA since October 2019.
Brazil
In Brazil, all debit card transactions require authentication from the issuing bank.
India
In India, banks are required to perform authentication on all domestic ecommerce transactions.
3DS1 vs 3DS2
See the improvements from 3DS1 to the latest version 3DS2.
3DS1
3DS2
Adyen 3DS2
Making authentication as easy as possible for everyone.
Let our technology do the manual work
Authentication is completed behind the scenes or with simple customer inputs. Every transaction is routed based on regulation type, risk assessment criteria and policies specifically for your business.
Create a payment experience without interruptions
Keep your customers happy when paying by card at the checkout. With new authentication flows, payments on all devices can be made without interruptions.
Use machine learning to authenticate a payment
Apply authentication in PSD2-live countries, automatically use exemptions where possible, or use authentication to reduce the risk of fraudulent transactions with the Authentication Engine.
Adapt your setup before anyone else
As an EMVCo Technical Associate we know all the information connected to EMV® specifications so you can adapt your setup before anyone else. 3DS2 works with all partners who meet the EMVCo™ Certified specification.
Integration options made for your business
Checkout API: Full customization and control
Once you’re on our API, simply add the 3DS2 Component. The pre-built UI gets you up and running quickly for PSD2 and you still have full customization control.
Checkout Drop-in: Pre-built UI that’s ready to go
Our Web, iOS, and Android Drop-in automatically supports 3DS2. All you have to do is update your current version.
Pay by Link: The fastest way to get up and running
Redirect your shopper to an Adyen-hosted checkout page and make any online channel your checkout.
Plugins: 3DS2 already added to all in-house plugins
3DS2 is added into all of our certified built in-house plugins for Magento, SAP Commerce Cloud (Hybris), Salesforce Commerce Cloud.
PSD2 SCA explained
The Revised Payment Services Directive 2
The Revised Payment Services Directive is a European regulation that creates a more open, competitive, and secure payments landscape across Europe. SCA requirements are part of PSD2.
Strong Customer Authentication
SCA is a requirement of PSD2. It's a combination of three elements to authenticate a payment, something you know, own, and are. For example: a password, your phone, your fingerprint.
3D Secure 2
3DS2 is the authentication solution that creates better shopper experiences while reducing fraud. Your customer gets a simple step in the payment process to allow the issuer (bank) to check that they are who they say they are. Or, in some cases skip authentication due to exemptions.
You might like this content about authentication on our blog
"We are focused on maintaining a seamless and rewarding payments experience for our consumers, and we chose Adyen’s 3DS solution based on the innovative product features, the ease of implementation, and the expertise of their team."
Marco Mahrus ･ Head of Payments Partnerships