A multi-
experience
approach to
authentication

Improve Performance, Fight fraud and stay compliant. Our authentication solution reduces customer friction by smartly routing payments through 3DS or Google’s authentication technology to ensure the best acceptance rates.

Intelligently increases revenue

Launch your new card program faster and optimize performance with modern card issuing, processing, card management, compliance and reporting capabilities in one place.

Smarter customer experiences

Create unique card experiences that you can quickly scale and modify with a wide array of customization options, including card designs, digital wallets, and spend controls.

Plug & play or fully custom

Automate transaction outcomes using accept or reject logic based on your unique business rules. Then, fund cards upon authorization for immediate use and without pre-funding complexity.

One-stop authentication

By issuing cards, you earn a share of interchange revenue on every transaction. Capture and maximize impact with transparent pricing, granular reconciliation and data-rich transaction reporting.

Elevate the user experience

•

Make your checkout faster

Use device biometrics, like fingerprinting and facial recognition, to authenticate payments for a smoother, speedier checkout flow.
•

Simplify security

Customers can breeze through the payment process in as little as three steps, minimizing the risk of cart abandonment.

Mobile screen showing a payment authentication process

Elevate the user experience

•

Make your checkout faster

Use device biometrics, like fingerprinting and facial recognition, to authenticate payments for a smoother, speedier checkout flow.
•

Simplify security

Customers can breeze through the payment process in as little as three steps, minimizing the risk of cart abandonment.

Elevate the user experience

•

Make your checkout faster

Use device biometrics, like fingerprinting and facial recognition, to authenticate payments for a smoother, speedier checkout flow.
•

Simplify security

Customers can breeze through the payment process in as little as three steps, minimizing the risk of cart abandonment.

Find your form with smart features

Feature-rich 3D Secure offering

Deploy the latest 3D Secure version 2.2 to deliver optimal customer experiences that drive high performance. Future versions – such as 3D Secure 2.3 and beyond – are seamlessly implemented, while previous protocols are supported to give you comprehensive coverage.

Never let your customers enter or re-enter card details again. A one-click login speeds up the purchase process and removes friction from the checkout experience.
Remember Me works behind the scenes to boost authorization rates while maintaining security through OTP authentication. Transactions are fast and secure without increasing the risk of fraud.
Modular components blend into your checkout flow, keeping your branding front and center. No redirects mean customers stay focused on completing their purchase without leaving your site.

Keep your customers in the flow

Our flexible 3D Secure authentication works across all your acquirers and strikes a balance between reducing friction and benefiting from liability shift. We’ve got you covered across a broad set of exemptions – from data-sharing-only flows to flagging your customer experience preference to issuers.

Rich SCA exemption support removes the need to authenticate
Data-sharing-only flow support guarantees a frictionless experience
Flag your customer experience preference to issuers without impacting liability shifts

See documentation

Find the right integration

Go standalone to centralize all authentication in one place, or use as part of our advanced payment platform. We offer a range of options for all sales channels and business types.

Standalone

Streamline your global authentication strategy with our acquirer-agnostic solution.

One centralized view
Consolidated global reporting
Customizable non-hosted options
Out-of-the-box hosted options
API, Android, and iOS SDKs available

As part of the Checkout platform

Start authenticating fast on all your transactions processed by Checkout.com. Just switch on one API field and you're up and running.

Granular data across the payment lifecycle
Intuitive reporting
Out-of-the box hosted options
Hosted Payments Page (HPP), Payment Link-ready

A multi-experienceapproach to authentication

Intelligently increases revenue

Smarter customer experiences

Plug & play or fully custom

One-stop authentication

Elevate the user experience

Make your checkout faster

Simplify security

Elevate the user experience

Make your checkout faster

Simplify security

Elevate the user experience

Make your checkout faster

Simplify security

Find your form with smart features

Feature-rich 3D Secure offering

Keep your customers in the flow

Find the right integration

Standalone

As part of the Checkout platform

Frequently asked questions

Explore our resources

Best practices for secure online payment processing

Flow: A clever bit of code that helps you boost conversions

How to accept payments online

A multi-
experience
approach to
authentication