3D Secure & PSD2
Secure your global transactions with advanced 3D Secure authentication and full PSD2 compliance. Reduce chargebacks and prevent fraud while maintaining a seamless checkout experience for your customers.
3D Secure & PSD2: Protecting Payments with Intelligence
Digital payments grow rapidly, but so do threats. Customers expect both security and simplicity, while regulators demand strict compliance. FuncCards helps businesses strengthen protection and meet PSD2 requirements through 3D Secure authentication and strong customer authentication (SCA) integrations. With us, you safeguard payments while keeping the checkout experience seamless.
Why 3D Secure and SCA Are Essential
Fraud risk in online payments continues to rise. 3D Secure adds an extra verification step — such as biometrics or one-time passwords — through integrated authentication providers to confirm the rightful cardholder. Strong Customer Authentication (SCA), required under PSD2 in Europe, ensures multi-factor protection for digital transactions.
The benefits of implementing 3D Secure and SCA compliance include:
- Lower fraud rates and fewer chargebacks.
- Enhanced user trust through secure yet seamless checkout flows.
- Compatibility with major 3D Secure and SCA providers.
- Support for risk-based authentication policies defined by issuers.
By combining security with usability, businesses turn regulatory requirements into customer confidence.
FuncCards turns complex regulatory requirements into a seamless part of your payment flow. We provide the infrastructure for Strong Customer Authentication (SCA) that protects your revenue without adding unnecessary friction to the user journey.
Regulatory Complexity
Navigating the strict requirements of PSD2 and Strong Customer Authentication (SCA) in Europe can be overwhelming, with non-compliance risking heavy fines and declined transactions.
PSD2 Compliance Ready
Our platform handles the technical complexity of SCA integration. We ensure your payments meet all European regulatory standards automatically, keeping your business compliant and operational.
Liability for Fraud
Without proper authentication, merchants are often held liable for unauthorized transactions and chargebacks, leading to significant revenue loss and higher processing fees.
Liability Shift
By implementing 3D Secure 2.0, you verify the cardholder’s identity before the transaction completes. This effectively shifts the liability for fraudulent disputes from your business to the card issuer.
Cart Abandonment
Outdated security checks (like clumsy redirection pop-ups) often frustrate customers, causing them to abandon their purchase right at the checkout stage.
Frictionless Experience
We support modern 3D Secure protocols that utilize biometric data and background risk analysis. This allows low-risk transactions to pass instantly without interrupting the customer.
Core Capabilities of FuncCards 3D Secure Platform
FuncCards enables secure and compliant integration with trusted 3D Secure and SCA providers. Our APIs connect your payment architecture with authentication services to meet PSD2 and global compliance standards.
Here are the key capabilities we deliver:
- Full PSD2 compliance support with dynamic linking, exemptions, and audit-ready reporting.
- Integration with 3D Secure 2.0 providers for multi-factor authentication using biometrics, PINs, or one-time codes.
- Configurable risk and authentication policies through API connections.
- Real-time monitoring of authentication results and approval statuses.
- Analytics dashboards to track performance and optimize conversion rates.
This integration makes payment security proactive rather than reactive — protecting every transaction while preserving a smooth user experience.
Why Choose FuncCards for 3D Secure & PSD2
FuncCards combines PSD2 compliance, 3D Secure integration, and transaction monitoring in one scalable framework. With tools for strong customer authentication, 3D Secure compatibility, and integrated analytics, we provide businesses with both regulatory assurance and customer satisfaction.
With FuncCards, your payment flows go beyond compliance — becoming secure, seamless, and globally trusted.
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