Market Overview

Adyen Launches First-to-Market 3D Secure 2.0 Solution to Help Customers Boost Security and Authorization Rates


Adyen Launches First-to-Market 3D Secure 2.0 Solution to Help Customers Boost Security and Authorization Rates

PR Newswire

AMSTERDAM, Aug. 30, 2018 /PRNewswire/ -- Adyen, the payments platform of choice for many of the world's leading companies, today launched a fully-compliant 3D Secure (3DS) 2.0 solution which is available to its customers or merchants needing a next-generation authentication solution.

Adyen, the payments platform of choice for the world's leading companies. (PRNewsfoto/Adyen)

The first-to-market solution is based on EMVCo's 3DS protocols and will help merchants reduce risk and protect their customers from payments fraud. It also overcomes a significant pain point of 3DS 1.0 by improving the payments experience for customers, particularly on mobile devices.

"Adyen continues to simplify payments for merchants," said Brian Dammeir, Head of Product at Adyen. "Our first-to-market 3DS 2.0 solution helps merchants reduce fraud risk, navigate complex regulatory frameworks such as PSD2, and improve the customer experience. It builds on the benefits of the original iteration of 3DS and overcomes the pitfalls, offering maximum fraud protection with minimal friction, as well as working seamlessly on mobile devices."

Adyen's 3DS 2.0 is the first solution available capable of authenticating a transaction in the background without customer intervention, creating a seamless payments experience and helping merchants increase conversion rates. It is made possible through EMVCo's 3DS 2.0 protocols, enabling the analysis of more than 100 different data points shared between issuing banks, and information from across Adyen's global payment network, to help merchants build stronger authorization cases.  

It also creates an improved customer experience for transactions that require strong authentication, allowing shoppers to use biometrics such as fingerprint recognition, voice recognition or facial scans, as well as SMS-delivered two-factor authentication. Importantly, Adyen's solution can be seamlessly implemented on mobile devices, a feature that previous iterations of 3D Secure 1.0 did not achieve.  

Adyen's 3DS 2.0 solution automatically determines compliance requirements for each transaction to help merchants manage regulatory mandates such as the European Union's Payment Service Directive 2.0 (PSD2). The new version also permits global merchants to accept transactions originating in Europe, expanding market opportunities for thousands of businesses.

Adyen's system can also help merchants in markets that do not need to comply with PSD2. This is done by automatically identifying banks that will reward them with higher authorization rates for silently sharing extra data using 3DS 2.0.

Dammeir adds, "There's no doubt that PSD2 and 3DS 2.0 represent a significant challenge for merchants, but they also create opportunities. To help capitalize on the opportunities, our 3DS 2.0 solution works universally as a central authentication solution for merchants who work with various partners across the world."

Adyen is a core member of EMVCo, working with Visa, MasterCard, AMEX, JCB, Discover, Diners UnionPay and all other major local card companies to offer 3DS 2.0 services.

About Adyen

Adyen is the payments platform of choice for many of the world's leading companies, providing a modern end-to-end infrastructure connecting directly to Visa, Mastercard, and consumers' globally preferred payment methods. Adyen delivers frictionless payments across online, mobile, and in-store channels. With offices across the world, Adyen serves customers including Facebook, Uber, Netflix, Spotify, Casper, Bonobos and L'Oreal. Follow Adyen on Twitter.

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