Reporting
Real-time reports of customer transactions
Affiliate
Dashboard for partners
Chargebacks and disputes
Effective dispute settlement process
About us
Know our company and the team.
Contacts
Get in touch and let us know how we can help
Security
Security assurance for payment processing
Integration
Do more with upayers®
FAQ
Knowledge base

3D Secure 2 era:
Advanced authentication and reduced fraud

To get access to secure payment acceptance, apply to a partnership with the payment system upayers® and start accepting online orders in a variety of local and worldwide popular currencies with strengthened protection.
Our security policies comply with obligatory European requirements and even provide extra protection.
Apply now

Security updates

Your transactions are now protected even stronger. Further — the updated security provisioned by PSD2.
What is improved in the security of upayers® processed transactions:
3D Secure 2
Full PSD2 compliance
Strong customer authentication
3DS2

Protection of the transactions with 3D Secure 2

3D Secure 2 is an updated version of the 3DS protocol which is now tailored according to the needs of nowadays users and businesses.

It leaves room for future payment methods to develop and fit in — it anticipates the future ways of buyers to authenticate their personas and reduce fraud.

It provides:
Improved data use and exchange
Easier fraud detection and prevention

Payment flow of your client

With 3DS
With 3DS2
Location
Pop-up window
Seamless payment flow step
Appearance
Often dubious, subject of ad block apps
Frictionless, single design
Payment info
Amount, recepient
Goods, prices for each, discount amount, shipping cost, total sum, recepient name and more
Data about the client, received by the issuer
Card details
Location, authentication of the cardholder, card details, and more
Mobile-friendly interface
No
Yes
SCA
Non-compliant
Compliant
Soft-decline recognition
No
Yes
Merchant-initiated transactions support
Not supported
Supported
SCA

Strong customer authentication

SCA is one of the PSD2 requirements for the payment service providers within the EEA to meet the rules set by the EBA.

It ensures electronic payments to be completed only after the successful multi-factor authentication to increase the overall security level of online payments.

Posession
Something you have
Knowledge
Something you know
Inherence
Something you are

SCA elements explained

SCA compliance is a requirement of PSD2, which provisions building an additional authentication to implement to the payment flow.

It’s a combination of at least two out of three possible elements to authenticate a payment which are:
Possession:
  • OTP

    Device confirmed by one-time-password generated or received on a particular device (token, SMS).

  • Token

    Device confirmed by a signature generated on a device (soft- or hardware token).

  • QR code

    Card or device confirmed by an external device-scanned QR code.

  • Device binding

    Application or browser with possession by the device binding — via a security chip or private key, etc.

  • Card reader

    Card confirmed by a card reader.

  • CSC

    Card with possession confirmed by a dynamic card security code.

Knowledge:
Pin
Password
Memorized swiping path
Passphrase
Knowledge–based challenge questions
Inherence:
Fingerprint scan
Voice recognition
Vein recognition
Hand & face recognition
Retina & iris scan
Keystroke dynamics
Heart rate or body movements pattern from wearables
PSD2

Payment Services Directive

PSD2 is an abbreviation for the second edition of The Payment Services Directive, which is the latest version of guidelines regulating the electronic payment service providers in the European Union (EU) and European Economic Area (EEA).

It is a set of rules and laws, provisioning the payment industry's operation created to make European transactions more protected, boost innovations and help banks and financial services adopt the latest technologies.

Protect businesses and individuals from fraud.
Improve the operation rules for money-related service providers and equalise overall conditions.
Ensure transactions are secured.
Increase the efficiency of the European payments market.

All of the above security changes and improvements are made to comply with the updated directive.

Your benefits with the new security:
Application form
Apply for the secure online payment acceptance.