Data & Spec Sheet March 01, 2015


Providing transparent protection & fraud management for issuers whose customers shop on-line


RSA Adaptive Authentication for eCommerce provides the solution for financial institutions building cardholder protection and fraud management in the online shopping environment. Utilizing the 3D Secure protocol and infrastructure, it enables merchants and issuers to provide a consistent, secure online shopping experience for cardholders while mitigating the risk of charge-back losses.

Used today by more cardholders (debit & credit) than any other solution in the market, RSA Adaptive Authentication for eCommerce employs an architecture approved by Visa, MasterCard and American Express. Adaptive Authentication for eCommerce leverages the RSA Risk Engine and RSA eFraudNetwork™ service to provide 3D Secure services with native transaction monitoring. RSA provides issuers with a single solution to manage their ever-growing fraud challenges while creating the shopping experience merchants require to avoid transaction abandonment.

RSA Adaptive Authentication for eCommerce allows issuing banks to provide Verified by Visa® (VbV), MasterCard SecureCode, and American Express SafeKey support without impacting their cardholders’ online experience. Using the RSA Risk Engine, Adaptive Authentication for eCommerce transparently evaluates each transaction in real-time to determine the transactions level of risk. Only cardholders engaging in transactions determined to be high-risk will be challenged to provide a secondary method of authentication, leaving approximately 93% of transactions from participating merchants unimpeded by the 3D Secure verification process. In addition, because of the transparent layer of authentication, cardholders are no longer required to go through a VbV, SecureCode or SafeKey enrollment process, and may conduct commerce online uninterrupted.