The 3D Secure Authentication Service through the Visa Consumer Authentication Service (VCAS) for both Visa and Mastercard card products provides world-class defence against ever-present fraud threats. It protects cardholders and safeguards the reputation of your members and clients. In addition, implementing 3D Secure Authentication provides additional layers of security, which include:

Risk-Based Authentication (RBA): Based on machine learning algorithms, approximately 95% of transactions are authenticated via RBA, according to Visa, creating a frictionless experience for cardholders.

One Time Password (OTP): Completely replacing static passwords, high-risk transactions will trigger a dynamic OTP sent to the cardholder via text or email for authentication.

A plethora of richer data points: 150 data points with EMV 3D Secure vs. 10 data points with 3D Secure 1.0, allowing for more robust risk-based authentication.