Pay securely online

Everything you need to know about PCI DSS, 3-D Secure 2.0 and strong authentication



Pay securely online

Offer your customers the maximum possible level of security. Because security establishes trust and your customers should have a good feeling about their online payments. Together with the credit card organizations, we set the highest standards, such as PCI DSS, 3-D Secure 2.0 and strong customer authentication, which allow you to sell securely online or by mail order. At the same time, we offer you the necessary protection against payment defaults.

 
 

PCI DSS

PCI DSS (Payment Card Industry Data Security Standard) is the global security standard for international credit card organisations. With our payment solution Saferpay, you can process all e-commerce credit card data securely in compliance with PCI DSS. The card data is captured within the Saferpay Payment Page or the Hosted Forms and is not processed, transmitted or stored in your systems. Thus you can benefit from maximum security and minimal effort to confirm your compliance with PCI DSS. Saferpay is subject to the PCI DSS guidelines and has been awarded with PCI security certification.

More about PCI DSS

3-D Secure 2.0

With the 3-D Secure procedure, cardholders identify themselves in an additional step during online transactions. The new 3-D Secure 2.0 security standard makes card payments in e-commerce much easier for you and your customers through a broad data spectrum, biometric authentication and an improved standardised online experience.

Online merchants, acquirers, card issuers and customers are facing a new challenge in e-commerce: the Regulatory Technical Standards (RTS) under the Second EU Payment Services Directive (PSD 2) are due to take effect on 14 September 2019. They mainly require strong customer authentication (also known as two-factor authentication) for online payments. To comply with this requirement, the card organisations Visa and Mastercard - together with the technical body EMVCo - have further developed the 3-D Secure security process: 3-D Secure 2.0 is PSD 2-compliant and is valid in EU countries as well as Switzerland. All online merchants must support the new standard.

 

 
 

Customers no longer have to remember passwords and can easily confirm payments from a mobile app. Customer authentication is fully integrated into the 3-D Secure 2.0 sales process. Liability for fraudulent transactions is entirely passed on to the card issuer.

3-D Secure 2.0 relies on a risk-based authentication process and uses additional transaction data to check with merchants and card issuers whether the payment has been initiated by the cardholder and if the payment process should be allowed or aborted. Other factors of strong customer authentication, such as payment habits or fingerprints, are also included in the verification process. Low-risk transactions are identified in what is known as frictionless flow. If genuine customer authentication is not required, the cardholder’s checkout process is seamless.

 

Your 3-D Secure 2.0 benefits

  • Smooth payment process (frictionless flow)
  • Increase your conversion rate
  • Fewer payment disruptions thanks to risk-based authentication
  • Full integration into web shops and apps
  • Intelligent fraud detection mechanisms to reduce credit card fraud

Strong customer authentication

With strong customer authentication, all payment transactions, apart from specific exceptions, are “strongly” secured. To do so, at least two out of the three factors must be used: knowledge, possession or inherence. 

Knowledge:

Password
PIN
Secret question
Numerical sequence

 

Possession:

Mobile phone
Wearable devices
Token
Smartcard

 

Inherence:

Fingerprint
Voice recognition
Iris recognition
Facial features

 

A customer wants to buy a pair of shoes in an online shop. He has already entered his card data in the corresponding fields. A short time later, he gets a push notification on his smartphone: The customer must enter the two-factor authentication code (or one-time password) sent by SMS or confirm the purchase in an extra app with a fingerprint.  

Not all transactions have to be “strongly” secured by cardholders:

Small amounts Recurring payments
Whitelisting Low risk
Payments up to EUR 30 - up to the limit of EUR 100 in total or five consecutive payments. From the second transaction on-going to the same recipient and the same amount The cardholder creates a whitelist for trusted merchants. Risk assessment of a transaction with amounts within defined thresholds.

The following are not affected by strong authentication:

  • Anonymous prepaid cards
  • Mail order and telephone orders (MOTO transactions)
  • Interregional / “one leg” transactions
  • Transactions initiated by the payee
 

Questions about payment security?

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