- Introducing Payer Authentication
- Implementing Cardinal Cruise Direct Connection API Payer Authentication
- Implementing SDK Payer Authentication
- API Fields
- Testing Payer Authentication
- 3-D Secure 1.0 Testing
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REST API
Benefits
3-D Secure 2.x provides the following benefits:
- More secure transactions as additional data is available.
- Backward compatibility. Additional data is automatically be sent to issuers as they upgrade to 3-D Secure 2.x.
- Improved user-friendly shopping experience for customers, including frictionless authentication and shorter transaction times.
- Can result in higher authorization rates.
- Easier to upgrade to 3-D Secure 2.2 when it becomes available. Version 2.2 includes support for exemptions for PSD2 which might allow frictionless authentication, including acquirer/issuer transactional risk assessment; white listing; low value, one leg out, and merchant-initiated transactions. These exemptions will be defined as they become available.