On 14 September 2019, new requirements for authenticating online payments were introduced in Europe as part of the second Payment Services Directive (PSD2). 3D Secure 2 improves the purchase experience compared to 3D Secure 1 and allows businesses and their payment providers to send more data elements on each transaction to the cardholder's bank. This includes payment-specific data such as the shipping address, as well as contextual data like the customer's device ID or previous transaction history.

Why Do We Need Stripe 3D Secure Version 2?

• Frictionless authentication.
• Better user experience.

Frictionless Authentication

The cardholder's bank can use additional transaction information to assess the risk level of the transaction and select an appropriate authentication response.

• If the supplied data is sufficient for the bank to trust that the real cardholder is making the purchase, the transaction proceeds through the frictionless flow and authentication is completed without any additional input from the cardholder.
• If the bank requires additional verification, the transaction enters the challenge flow and the customer is asked to provide additional information to authenticate the payment.

Better User Experience

• Unlike 3D Secure 1, 3D Secure 2 was designed with modern mobile devices in mind. Banks can provide innovative authentication experiences through their mobile banking applications, often referred to as "out-of-band authentication."
• Instead of entering passwords or waiting for SMS verification codes, cardholders can authenticate payments using fingerprint authentication, facial recognition, or other biometric methods directly through their banking applications.
• Another significant improvement is that the challenge flow can be embedded directly into web and mobile checkout experiences without requiring full-page redirects. Authentication prompts are typically displayed as modal dialogs during checkout.
• Mobile SDKs for 3D Secure 2 also allow developers to create fully integrated in-app authentication experiences, eliminating browser redirects entirely.

Need to Migrate to Stripe 3D Secure Version 2? Contact Us

We have integrated n number of payment gateway services in different ColdFusion applications based upon the client's requirement. we are frequently integrated stripe services. we love to use available open source options ( why we need to reinvent the wheel? ) & try to contribute back to CFML community too. In terms of Payment gateway integrations, we have great experience in, using & customizing cfpayment , ( most popular & well tested Open source ColdFusion Payment integration library).