Protect your customers and your business with 3-D Secure (3DS) authentication.

If you're selling goods or services online, you need a strong customer authentication solution to help safeguard sensitive credit card details from cybercriminals and reduce your risk of chargebacks. Certified by EMVCo® (the global technical body owned by the major card brands that manages and evolves EMV specifications), Inovio's 3-D Secure technology does precisely that.

With a 3-D Secure Page from Inovio, you'll leverage the latest in payment security to add a vital authentication step for Visa, Mastercard, and American Express payments that protects your customers and your business, even when you're selling internationally.

What is 3-D Secure card validation?

3-D Secure validation is an XML-based protocol designed to provide an added layer of security to online credit card transactions. All the major card brands leverage 3-D Secure validation, a.k.a. authentication to protect cardholders’ sensitive data; Mastercard with SecureCode, American Express with American Express SafeKey, and so forth. 3-D Secure payments increase security while reducing friction during checkout — a win-win for you and your customers.

What is a 3-D Secure payment?

In the beginning, 3-D Secure technology directed customers to their card issuers' pages to verify their identities during the payment process. While this shifted liability for any fraud from business owners to their banks, the authentication process was clunky. 3-D Secure 2.0 corrected this problem, allowing trusted customers to skip the authentication process, while allowing for seamless integration with mobile apps and web browsers. The updated protocol further streamlined the authentication process, adding additional pieces of customer and card payment data to help reduce false declines, including:

Email addresses.

Shipping addresses.

The business owner's
device ID.

Info about previous
transactions and more.

This added info can be used by the cardholder's issuing bank to determine whether the purchase is legitimate.

Does 3-D Secure prevent chargebacks?

Chargebacks can be frustrating. The good news is, when you use 3DS technology to protect your online payment services, you'll be subject to fewer chargebacks than ever before, since the “not authorized” reason code will no longer reply. That's on top of Inovio's industry-leading automated chargeback mitigation, which eliminates paper and instantly matches chargebacks to their original transaction.

Accept international payments with peace of mind.

At Inovio, our 3DS solutions act as the teeth of the PSD2s provision for multi-factor authentication, ensuring that customers' identities can be properly verified when making an ecommerce purchase.



Our solutions are also in compliance with the General Data Protection Regulation, which guides data protection and privacy law in the European Union and the European Economic Area.

It is because of our deep expertise in these areas that we stand equipped to provide trusted and robust services to merchants all over the world, including U.S. companies selling their wares in the EU, as well as European retailers marketing their products in America.

At Inovio, we know 3-D Secure.

There's a lot that goes into making sure your payments are 3-D Secure. At Inovio, we'll help you stay in compliance with the updated 3-D Secure standards, so you can:

  • Safeguard your online payments (mobile, domestic, and international).
  • Streamline the checkout process for you and your merchants.
  • Reduce your chargebacks.

No matter where in the world your company is based, or what industry you're in, we can help you meet authentication protocols to ensure that your payment systems and procedures are fully 3-D Secure 2.0 compliant from the start. We provide a full suite of compliance services for virtually any currency.

Let's talk.

Learn more about the industry’s most intelligent payment gateway.