Flexible 3DS Authentication in DECTA Gateway: Features & Benefits

For payment service providers and acquirers seeking competitive advantage, DECTA's flexible 3DS authentication represents a game-changing solution that delivers superior security, enhanced performance metrics, and significant operational benefits.

As one of the first European processors to achieve EMV 3DS 2.3.1.1 certification, DECTA offers cutting-edge authentication capabilities that outperform traditional implementations while reducing costs and complexity.

DECTA's Advanced EMV 3DS 2.3.1.1 Protocol Implementation

DECTA implements the EMV 3DS 2.3.1.1 protocol to support secure, modern payment authentication. The following sections outline DECTA’s certification, data intelligence, and risk assessment capabilities with this latest protocol version.

Industry-Leading Certification Achievement

As one of the first payment processors in Europe to gain this capability, DECTA ensures PCI DSS Level 1 standards for merchant solutions. This certification is a testament to technical achievement and provides PSPs and acquirers with a competitive edge.

Superior Data Intelligence and Risk Assessment

EMV 3DS 2.3.1.1 is the latest payment authentication version, offering enhanced data exchanges, superior risk assessment capabilities, and increased accommodations associated with newer authentication options such as biometric verification and Secure Payment Confirmation (SPC).

While older 3DS versions utilize minimal data points for payment authentication, DECTA operates on the full-featured options afforded by the 3DS 2.x protocol to create more comprehensive risk assessment opportunities and real-time decisions.

This includes:

This allows DECTA to achieve a much higher threshold for frictionless authentication without losing any real-time fraud detection ability.

Key Benefits for Businesses

DECTA’s EMV 3DS 2.3.1.1 implementation delivers clear benefits for businesses:

Enhanced Security and Fraud Prevention

DECTA's 3DS authentication solution provides comprehensive fraud prevention for card-not-present (CNP) fraud through:

Improved Transaction Approval Rates

DECTA's 3DS enables greater approval rates by providing cardholder issuers with additional data, reducing false declines and supporting real-time authentication with low-friction challenge flow and frictionless flow.

Regulatory Compliance

DECTA’s 3DS achieves compliance with PSD2, Strong Customer Authentication (SCA), and European Banking Authority (EBA) requirements, as well as SCA exemptions for low-value payments, transaction risk analysis, and recurring payments.

Reduced Cart Abandonment

DECTA's SCA-approved frictionless authentication reduces cart abandonment by:

White-Label Customization Capabilities

With DECTA's white-label payment gateway, merchants, PSPs, and acquirers can offer branded authentication solutions, ensuring:

Technical Architecture and Integration Advantages

DECTA’s technical architecture is designed for seamless EMV 3DS integration across issuer and acquirer services. The sections below explain integration methods and support for advanced authentication flows.

3DS Authentication Architecture

DECTA's platform provides 3D Secure v2.2 support for issuer services and acquirer services, complying with PSD2 SCA and integrating with a wide range of card systems, payment methods, and acquirer processing options.

Integration Options for 3DS

DECTA’s white-label payment gateway supports:

All integrations are PCI DSS-compliant and compatible with digital wallets, including Apple Pay, Google Pay, Samsung Pay, and Garmin Pay.

Acquirer-Side 3DS Implementation

DECTA applies the latest 3DS 2.x protocol for acquirer processing, supporting SCA exemptions, challenge flow, frictionless flow, tokenization, EMV tokenization, and secure cardholder data handling during transaction processing.

Fraud monitoring and risk scoring are integrated at both authorization and transaction levels.

Issuer-Side 3DS Implementation

DECTA offers issuer banks 3DS v2.2 support, meeting Mastercard and Visa requirements. Authentication flows support in-band and out-of-band (OOB) authentication, push notifications, SMS notifications, biometric authentication apps (iOS, Android), card registration, smartphone registration, and card lifecycle management via issuing API.

APIs allow rapid integration and token provisioning for digital wallets, with extensive API documentation available.

Testing, Security, and Compliance

With DECTA's EMV 3DS 2.3.1.1, businesses achieve security, compliance, customer satisfaction, and higher conversion rates in online payments and mobile payments.