3D Secure 2.0 (3DS2) is a multi-factor authentication protocol used to confirm digital identity during checkout. In addition to the primary account number, you are required to provide something you have, something you know, or something you are in order to confirm that you are the legitimate account holder during a CNP transaction.

Strong Customer Authentication (SCA), which often utilizes 3DS2, is fast becoming mandatory for online card payments in most countries. This means that for online transactions, especially those involving credit or debit cards, businesses are required to implement SCA, and 3DS2 is a common method to achieve this.

BankFlex^® 3DS2 leverages out-of-band (OOB) authentication, One-Time Passwords (OTPs), and Risk-Based Authentication (RBA) to enhance security and improve the user experience. These features allow for more nuanced authentication methods, reducing friction for legitimate transactions and strengthening security against fraud.

BankFlex^® 3DS2 implementation offers seamless authentication with best customer experience. BankFlex^® configurable n-Factor authentication allows the bank to configure their authentications as per their customer preference such as using their fingerprint – or even facial recognition for performing 3DS2.

BanKFlex^® 3DS2 implementation has been audited and approved by the Issuer Banks and their card processors.