Adaptive Authentication for eCommerce

Building a Strategy for eCommerce Authentication | Adaptive Authentication for eCommerce 3D Secure™ solution is an e-commerce authentication and fraud protection platform, processing more transactions than any other provider.

Adaptive Authentication for eCommerce provides a secure framework for building cardholder protection and fraud management via a wide range of authentication and card security products, including:

• Verified by Visa®
• MasterCard SecureCode™
• JCB J/Secure™

Adaptive Authentication for eCommerce is used by many of the world's leading issuers to detect fraud without negatively impacting the user experience. It provides a safe and effective means of authenticating transactions in real-time and encouraging customers to trust the security of buying products and services online.

Adaptive Authentication for eCommerce is comprised of two core components (available separately or as a single implementation):

• ACS Services: A fully hosted managed service delivering traditional 3D Secure functionality inclusive of all processing, integration, and user support requirements.
• Transaction Monitoring for 3D Secure: Real-time risk evaluation of online activity to determine if additional investigation and/or authentication is necessary prior to completing the transaction.

Adaptive Authentication for eCommerce offers the following benefits for card issuers:

• A consistent, secure online shopping experience for cardholders
• Reduced risk of chargeback losses
• Worldwide availability to issuing banks as a centrally hosted service
• Close relationships with the card associations and issuer performance monitoring to maintain high service quality