3D Secure 2.0

Limit fraud and increase conversion. 

3D Secure 2.0 is an authentication solution. It provides a better customer experience and reduces fraud.

With 3D Secure 2.0 customers confirm their identity during the payment process. This creates another step in the payment process, of which the exact content depends on the card issuer (e.g. a bank). For example, customers may be asked for an additional PIN code, password or other details.

To optimise conversion, exceptions to authentication with 3D Secure 2.0 can be made under certain conditions. 

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The benefits of 3D Secure 2.0. 
Fewer chargebacks

Consumers' credit card payments with 3D Secure can never be reversed through a so-called 'chargeback' based on the reason 'it wasn't me'.

LVP exemption

A payment up to 30 euros may be processed without mandatory authentication, which will increase your conversion. If you choose this option and a chargeback occurs with fraud as the reason, you will be liable for the costs.

Challenge & frictionless

When an authentication is performed in a frictionless flow, browser information is used to identify the payer. This can result in a payment without additional questions. If this is not successful, an authentication step (challenge) will follow. In most cases, a pop-up will appear to perform a confirmation in an app. Of course, the frictionless flow ensures higher conversion.

More features by Pay.

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Extended reports

Increase your conversion with Pay.'s insights and reports. Get all the data you need with extensive filter and search options.
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Recurring payments

Set up recurring payments for subscriptions and memberships with ease using Pay.'s recurring payments feature.
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Conversion optimisation

Google Analytics Sync. by Pay. ensures that the transaction data in Google Analytics is synchronised with the data in the backend of your webshop.


Pay by link

Create payment requests. Send them to your customer from the Pay. admin panel. This allows your customers to decide which payment method to use.

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