![3dshero images](/static/3ds-74943b99f3c26d39bd02ea5f389bd96e.png)
more secure online transactions with 3DS 2.0!
3DS 2.0 authenticates Cardholders in online transactions, making the payment process more secure. Product offered through a Payment Gateway.
available for the pillars:
• digital solutions
![solucoes-de-captura](/static/3ds-74943b99f3c26d39bd02ea5f389bd96e.png)
how does it work?
This solution allows Issuers to authenticate Cardholders according to a few procedures, including a temporary password or biometry, among others.
This is to ensure the transaction is actually made by Cardholders, reducing chances of fraud.
![3dshero images](/static/how-does-it-work-8547b50acbbe9c1250540aa36128781d.png)
![3ds](/static/how-does-it-work-8547b50acbbe9c1250540aa36128781d.png)
check 3DS evolution
![](/static/historico_EN-68f46e4c16974a95b617da7d5c3b3f2c.png)
Transaction FlowSee details
3DS 1.0:
- Occurs simultaneously to the authorization
3DS 2.0:
- Authorization validated separately
Challenge (Password)See details
3DS 1.0:
- Need to enter the bankpassword
3DS 2.0:
- SMS, tokens, and silent activations
Challenge password interfaceSee details
3DS 1.0:
- Redirects to the issuer page
3DS 2.0:
- Pop-up on the same merchant page
Supported devicesSee details
3DS 1.0:
- Desktop only
3DS 2.0:
- Desktop, tablets and smartphones
benefits of the new version
debit/credit
Most debit transactions in e-commerce have to be authenticated. For credit transactions, 3DS is optional.
shift of fraud liability
In some cases, 3DS enables stores to shift the liability for fraudulent returns towards card Issuers.
smooth experience for cardholders
Supported by devices commonly used by consumers in their routine shopping.