As customer habits, new technology and legislation evolves, so do the changing requirements for customer authentication. Enter 3DS 2.x - adapting to the times by offering a device agnostic and smoother online payments experience to users. With enhanced data sharing, merchants and issuers can exchange greater contextual data to verify a cardholder’s identity, reducing friction for e-commerce transactions and avoiding the need for cardholder interaction for trusted transactions. With more control over level and type of customer authentication and more data for analysis that can be shared with issuers, version 2.x offers a seamless and secure customer experience, twinned with a massive reduction in false declines and fraudulent activity.

Our EMV 3DS service package offers everything an issuer needs to ensure card enrolment and user authentication in 3DS for e-commerce transactions, meeting all the specifications set by Mastercard and Visa and their associated Mastercard SecureCode and Verified by Visa programs.

Features include card enrolment and checking card participation in 3DS, presentment of enrolment and authorisation pages, strong user authentication, use of a password recovery service and secure data exchange.

Customer authentication features include:

  • Alphanumeric fields
  • Static and/or dynamic passwords
  • Tokens from external systems
  • DPA/CAP technology
  • Electronic digital signatures for financial transactions

The service package is independent of the host solutions in place, can be easily integrated with existing systems, offers flexible control over user access rights, and a web-based, user friendly interface.


Fault-tolerance, scalability and high-performance


An extensive library of reports


Web-based user workplaces


Strong integration capabilities


24/7 support


Fully compliant


We offer a range of comprehensive workplaces which provide all the tools needed for you to successfully manage your service package, allowing you to enjoy greater strategic control and visibility over your value chain.

Compass Plus service packages are fully adaptive services crafted to fit your unique requirements. Each package has the flexibility be modified to meet your business needs, from the essential to the extraordinary. As our services are built on one platform, they natively integrate with other packages to seamlessly support all your processing objectives.

Our service portfolio is therefore designed to support your business model, so you can focus on your core activities.

Please contact us for further information.