PSD2-Ready Fraud Protection without sacrificing Customer Experience
Strong Customer Authentication (SCA)
We all know that PSD2 and SCA for ecommerce are coming.It's not if; it's when. You need a solution that addresses the problem and Signifyd is the most comprehensive platform in the market.
Something you know
For example, whether a password was used to log into an account on the merchant’s website
Something you have
For example, the unique fingerprint ID of the customer’s mobile phone or computer used to place an order
Something you are
For example, the iris scancollected on a mobile app or the typing patterns collected during checkout
Signifyd has a unique ability to perform SCA without step-ups for all transactions, not just exemptions
Signifyd’s Seamless SCA™
Combines frictionless EMVCo Certified 3DS2 with our best-in-class Fraud & Chargeback Protection
Customer-first design ensures minimal friction in the buying experiences.
EMVCo Certified implementation to communicate with issuers and banks.
Deliver seamless experiences without leaving your app or site on any device.
Full UX Control.
Complete financial guarantee, beyond fraud
How Seamless SCA™ Works
Frictionless, shopper-friendly, regulatory-compliant
Seamlessly collect data for SCA
Signifyd’s solution measures the device and behavioral patterns of the shopper as soon as they land on your website, not just at the checkout process, accelerating the time it takes to complete SCA.
- We measure Device Fingerprint (Possession Element, “Something you have”) and Behavioral Biometrics (Inherence Element, “Something you are”).
- We leverage a secure, tamper-resistant cryptographic method to accurately identify the device while also passively collecting behavioral signals like typing patterns.
Dynamically link cardholder to SCA methods
Signifyd leverages the 3DS protocol to dynamically link the customer, transaction and the collected SCA data. This is used to establish a point of trust which can be used to authenticate against subsequent transactions.
Complete SCA and Chargeback Protection
By combining 3DS, machine learning, and chargeback recovery products, we can shift liability for all chargeback types on every approved order.
- Seamless SCA gives you higher approval rates and greater liability shift than 3DS could do on its own while allowing the merchant to control the customer experience.
- We ensure that bank induced challenges, lengthy decision times and 3DS declines don’t affect your regulatory compliance or customer experience.
Seamless SCA™ powered by the Signifyd Commerce Network™
The Signifyd Commerce Network includes transactional and behavioral data from 10,000+ customers shipping products into 100+ countries.
96% of transactions are identified by one or more of these variables
80% Email Coverage
80% IP Coverage
75% Phone Coverage
77% Address Coverage
70% Device ID Coverage