3DS2/ SCA Consulting

It does not matter if you are a merchant, payment service provider or issuer. With different levels of complexity, online payment authentication such as 3D Secure can massively impact your business performances and require constant monitoring and internal expertise.

At Payment-Universe we have been working with merchants, payment service providers and issuers during the last years, managing products and operational processes related to payment authentication methods. We have been very familiar with solutions and strategies related to the established first 3D Secure version and we have been proactively involved into many projects related to the latest protocol introduced by EMVCo ( EMV 3DS). EMV 3DS, or 3DS2, is the only solution able to get the full benefits from regulations such as the European PSD2 and the introduced Strong Customer Authentication requirements.

Having a 360 degrees knowledge about payment authentication solutions, we can strategically guide you, with our SCA Consulting knowledge, to understand the current market solutions such as 3D Secure 2 (3DS2) or Delegated Authentication, choosing the right partners and solutions, benefiting from specific features according to your business use cases or develop your own authentication products. 

If you are a merchant experiencing issues with 3D Secure and PSD2 updates, or you need to proceed with direct integrations to a 3DS Server providers, we have a proofed SCA consulting successful approach which guarantees a smooth 3DS2 implementation. Take a look here and contact us

We can assist you with:

Authentication performance evaluation and market benchmarking

3D Secure market strategies according to regulatory requirements such as PSD2

3DS Authentication implementation best practices (for merchants)

PSD2 Exemption Strategy definition

Risk Management scorecards for Risk-Based-Authentication (for Issuers)

Product Management for new authentication linked products related to PSD2 Exemption Management

Project Management for development of proprietary solutions (i.e. 3DS Server development)

Vendor management and provider selection (i.e. 3DS Servers, Access Control Servers or Delegated Authentication)

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