becomes the first end-to-end payments provider to be 3DS 2.3.1 certified

  • is the first global payments provider to be certified by EMVCo for 3D Secure version 2.3.1, the latest protocol for Authentication.
  • This certification allows authentication to best support merchants reduce fraud, improve payment performance and customer experiences.
  • has continuously invested in Authentication, resulting in a 213% YoY[1] increase in volume for its Standalone Authentication product, and a 98% YoY increase in merchant adoption across Authentication product.

London, UK – 9th May, 2023 –, the global payments solution provider, is now the first to be certified by EMVCo, for the latest 3DS 2.3.1 protocol. This certification allows authentication to best support merchant needs, using proprietary artificial intelligence to roll out support in a safe and intelligent way. This comes at a time when 25% of eCommerce companies around the world are experiencing a significant rise in fraud and chargebacks, which results in sub-par customer experience and lost revenue for merchants.

This latest 3DS protocol aims to directly address some of the biggest pain points of previous protocols, such as reduced payment performance and increased cart abandonment as a result of customer friction. Previously, the burden has been on the consumer to switch from the merchant payment page to their bank app and back again, to verify the transaction. This often led to errors that resulted in consumers abandoning their online shopping cart. 3DS protocol 2.3.1 introduces automation that aims to simplify the authentication process by automatically identifying the consumers’ bank and redirecting them to the app. This will remove the existing manual process, improve the customer experience and reduce the amount of cart abandonment.

In addition, EMV 3DS 2.3.1 introduces new authentication methods such as WebAuthn, Secure Payment Confirmation (SPC) and other capabilities that aim to reduce fraud with the introduction of FIDO-based biometric authentication and improve the customer experience.

“Being the first global payments provider to have achieved EMV 3DS 2.3.1 certification is testament to the investment and success we have had with our leading Authentication product, which is already being used by global businesses like Klarna to reduce merchant and customer friction. Our mission for Authentication is to provide the highest authentication performance for merchants, while presenting a seamless customer experience. Our YoY growth in volume and adoption proves this is a strategy that merchants are reciprocant towards. EMVCo’s goal with 3DS 2.3.1 naturally aligns with ours and we’re excited to be at the forefront of rolling this out to merchants and industry players”, said Rami Josef, Product Director for Authentication & Payment Performance at

This certification follows quickly from Ubble’s, which was acquired by last year, ANSSI (National Agency for the Security of Information Systems) Remote Identity Verification Provider (PVID) certification last month. It is a continuation of’s multi-product journey as it builds its Payments Plus offering, following Authentication enhancements announced last year, customisable virtual and physical cards with Issuing, Fraud Detection Pro to help merchants combat fraud and optimise their revenues and Integrated Platforms, a fully flexible solution to support marketplaces and sellers in an evolving digital economy.

To learn more about Authentication, visit our website.

About is a global payments solution provider that helps businesses and their communities thrive in the digital economy. Purpose-built with performance, scalability and speed in mind, our modular payments platform is ideal for enterprise businesses looking to seamlessly integrate better payment solutions. With a global team spread across 19 offices worldwide, we offer innovative solutions that flex to your needs, valuable insights that help you get smart about your payments’ performance, and expertise you can count on as you navigate the complexities of an ever-shifting world. Find out more at

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[1] Year on Year data from 2021-2022