Security is a key aspect of online payments, and it can no longer come at the expense of conversion. That’s why solutions like 3D Secure 2 (3DS2) exist—allowing customer authentication to be quick, seamless, and non-disruptive to the shopping experience. This ensures that both security and payment convenience go hand in hand, without creating friction in the purchase process.
How do we ensure at Wannme that these standards are met using cutting-edge solutions? Our payment solution works exclusively with payment providers that implement technologies like 3D Secure 2. This guarantees secure transactions and ensures we stay compliant with regulations while protecting against fraud.
What is 3D Secure?
3D Secure (or Three Domain Secure) is a protocol designed to verify the buyer’s identity during online card payments. It involves three parties: the card-issuing bank, the card network (Visa, Mastercard, etc.), and the acquiring bank.
This process helps prevent fraud in card-not-present (CNP) transactions and is mandatory for many operations within the European Economic Area under PSD2 regulations.
Why is 3D Secure 2 important?
3D Secure 2 is the evolution of the original standard and improves payment authentication across several key areas:
Optimized user experience
With 3DS2, there are no clunky redirects. Authentication happens natively—within the browser or app—improving conversion rates.
More data, better analysis
Over 150 data points are shared between the merchant and the issuing bank, allowing for more accurate risk assessments and fewer authentication steps for the customer.
Biometric and adaptive authentication
Customers can verify their identity using fingerprint, facial recognition, SMS codes, or other dynamic methods—more security, less friction.
How does it work?
3D Secure 2 adapts the level of authentication based on transaction risk:
- Frictionless flow: No action is needed from the customer. The transaction is authorized in the background if enough data is available.
- Challenge flow: The customer is asked to complete an additional verification step, such as entering a code or using biometric authentication.
This smoother experience reduces cart abandonment and increases the approval rate for legitimate payments.
What if there’s fraud? Who is responsible?
One of the greatest benefits of using 3D Secure 2 is the liability shift. When authentication is successfully completed, the card issuer—not your business—is liable for any resulting fraud.
This protects your revenue from chargebacks and provides an extra layer of peace of mind when selling online.
At Wannme, we work with the best providers
While Wannme does not act as an acquirer or a payment gateway, we make sure to only partner with providers that support 3D Secure 2 technology. This allows us to offer:
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Full compliance with PSD2 regulations
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Protection against fraudulent payments
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A better checkout experience for your customers
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Fewer losses due to chargebacks
Want safer online payments with less friction?
At Wannme, we help you integrate advanced payment authentication solutions, without technical headaches and with top-tier providers.
Contact us and find out how to boost your online payment security—without hurting your conversion rate.
