3D Secure Authentication

RSA® Adaptive Authentication for eCommerce

Prevent payment fraud and accelerate digital commerce with a fraud detection and risk-based authentication solution that supports the 3D Secure 2.0 protocol. RSA Adaptive Authentication for eCommerce:

  • Detects up to 97 percent of fraudulent transactions
  • Generates average monthly fraud savings of nearly $2 million
  • Provides a seamless, secure payments experience for consumers
3D Secure Authentication

E-Commerce Fraud Hurts the Bottom Line

$1.9 trillion in total e-Commerce sales

(Source: eMarketer)

0.3% fraud as a percentage of transactions

(Source: RSA Anti-Fraud Command Center)

$660,000 per hour


Analyst Report

3-D Secure 2.0: Key Considerations for Card Issuers

Gain insight into the key factors that issuers need to take into consideration as they plan their move to 3-D Secure 2.0.

Access the Analyst Report

White Paper

From Status Quo to 2.0

Get answers to some of the most frequently asked questions about 3D Secure 2.0 including the benefits, the timelines, and what is needed to prepare.

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Invisible, Effective Authentication

Invisible, Effective Authentication

Authenticates the vast majority of cardholder transactions silently, eliminating the 100 percent challenge rates, static passwords and cumbersome cardholder enrollment processes associated with earlier versions of the 3D Secure protocol.

Risk Engine

Risk Engine

Analyzes more than 100 risk indicators including user behavior, device type and intelligence from the RSA eFraudNetwork to identify fraudulent transactions with a high degree of accuracy.

Global Fraud Network

Global Fraud Network

Leverages the RSA eFraudNetwork, the industry’s first and largest international, cross-institutional and cross-platform network of confirmed fraud, to identify indicators linked to known and attempted fraud schemes across more than 150 countries.

Policy Manager

Policy Manager

Allows credit card issuers to establish policies governing when step-up authentication is required for transactions based on the card issuer’s risk tolerance.

Analytics Applications

Analytics Applications

Provides card issuers with full visibility into their 3D Secure transaction data, including daily and monthly monitoring metrics, fraud detection rates and rule performance data.

Modern Authentication Methods

Modern Authentication Methods

Supports a range of step-up authentication methods including biometrics, SMS, one-time passwords and more.


Supports a secure, frictionless digital shopping experience for consumers by leveraging the 3D Secure 2.0 protocol.

Mitigates the risk of card issuers incurring chargeback losses from card-not-present fraud.

Promotes secure transactions with fraud detection rates up to 97 percent, low customer intervention rates and a "genuine-to-fraud" ratio of two to one (i.e., only two legitimate transactions get challenges for every fraudulent transaction identified).

Provides an integrated solution for fraud detection and risk-based authentication to credit card issuers seeking to offer additional cardholder protection.

White Paper

The Benefits of 3D Secure 2.0

Find out how the secure payments protocol benefits credit card issuers and merchants, and learn what to look for in a 3D Secure 2.0 authentication provider.

Read the White Paper


RSA Risk Engine: More Fraud Detection, Less Intervention

Gain deep insight into the machine learning technology that helps drive outstanding fraud detection performance for CNP transactions.

Get the E-Book

RSA Stops Fraud, Not Transactions

RSA Adaptive Authentication for eCommerce offers high fraud detection rates with minimal impact on customers and transactions.

Ongoing Investment in Model Improvement Pays Off

Card-Not-Present Fraud Prevention Calculator

In less than 30 seconds you can find out how much money RSA Adaptive Authentication for eCommerce can save your company in CNP fraud losses.




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