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August 18, 2020 | 3 min read

Marqeta introduces 3D Secure to reduce payment fraud

We’re excited to announce the addition of our new 3D Secure (3DS) solution to our platform. We built Marqeta 3D Secure in-house, providing a flexible solution for issuers to create tailored cardholder authentication experiences that can help reduce online fraud. Marqeta’s 3D Secure solution is one of the first solutions to be verified on the Visa 2.2. Standards and is designed to allow greater customization and control over fraud and authentication decisions. 

As online transactions continue to increase in the wake of COVID-19, the need for security like 3D Secure is becoming more essential to help fight against fraud across all markets. Our 3D Secure solution enables businesses to make risk decisions to help identify fraud while also avoiding unnecessary friction for cardholders. 3D Secure also provides multiple options for companies to integrate depending on their specific authentication needs. 

We partnered with Twisto, a leading digital banking provider in Eastern Europe and current Marqeta customer, to develop our 3D Secure solution and help Twisto meet its Strong Customer Authentication (SCA) requirements under the Payment Services Directive 2 (PSD2). With Marqeta’s 3D Secure solution, they can seamlessly integrate with their existing processing service and test the company’s desired authentication experience without having to work with a third-party service, saving them time and money. Twisto will also have full control over the authentication experience for their cardholders and can participate in the 3D Secure authentication if and when they decide to challenge a cardholder, helping them to avoid unnecessary friction at check-out or drop-off during payment. 

“Our customers expect a seamless check-out experience with our mobile app and we knew we needed to find a solution that would allow us to reduce fraud while also providing us full control over the cardholder experience. With Marqeta’s APIs, we were able to easily design the authentication process without adding unnecessary friction to the customer experience and are now positioned to expand into new markets faster and more securely,” says Twisto Founder & CEO, Michal Smida. 

3D Secure is a protocol that applies to transactions where the card is not present such as online and mobile. Marqeta 3D Secure can help European issuers to comply with the SCA regulatory obligations and can provide an added layer of security for issuers in other markets. Visa and MasterCard are also expected to enforce liability shifts which hold issuers liable for fraud if 3DS has been successfully applied by the merchant. 

Check out our 3D Secure platform page for more information.


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