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The incidence of card fraud has rocketed in the past few years, partly as a result of the rise of e-commerce and mobile payments. Poorly designed authentication experiences have an adverse impact on customer engagement, fraud mitigation, and operational efficiency. Current 3D Secure (3DS) authentication protocol, where transactions are authenticated through a static password or dynamic one-time password (OTP), has inherent limitations. The extra step during the checkout process results in high cart abandonment among customers.

FSS Secure3D, a secure real-time risk-based authentication solution, built on EMVCo 3D Secure 2.0 specifications, addresses many of the shortcomings seen in Version 1.0. FSS Secure3D adopts a new approach to authentication that renders 100% challenge rates obsolete through a wider range of data points with biometric authentication and an improved online experience. The solution leverages data elements exchanged between the merchant and the issuer to detect nuanced patterns of fraud in real-time to enable businesses to make better-informed authentication decisions.

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Years of experience


TPS benchmarked

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Leading banks globally

0 M+

Authentication requests processed annually


PADSS Compliant

Business Functionality

Customer enrollment

Issuers can enroll cardholders as they are boarded instead of during shopping. For existing cardholders FSS Secure3D supports bulk enrollment. This new way of approaching enrollment does not impede shopping and provides more clarity to the consumer.

Advanced analytics with clear-box approach to machine learning

FSS Secure3D analyses dynamic user behavior to build accurate data models using standard data elements prescribed by EMVCo for risk-scoring cardholders and transactions.

Range of Authentication Methods

With risk-based authentication, FSS Secure3D provides a zero-touch authentication experience for cardholders while simultaneously reducing the risk of fraud. FSS Secure3D streamlines the transaction process by removing the reliance on static passwords and knowledge-based questions to verify the authenticity of the cardholder in the challenge flow. FSS Secure3D enables issuers to broaden cardholder authentication measures to include biometric and out-of-band authentication, for example, authenticating a desktop session with a one-time code sent to a mobile device.

In the event the transaction is challenged, FSS Secure3D will let businesses embed the challenge flow directly within their web, and mobile checkout flows—without requiring redirects. Using new mobile SDKs, businesses will be able to introduce native flows within their apps, which will no longer require their customers to switch to a browser-based flow to complete the transaction.

Supports mobile and IoT commerce

Mobile customers working on a smaller screen expect instant gratification and have less tolerance for security methods that make the checkout process inconvenient and clunky. FSS Secure3D is capable of seamlessly integrating with mobile apps as well as browser-based environments. FSS Secure3D extends authentication to in-app purchases and digital wallets that store card details to satisfy the demand for a seamless mobile shopping experience.

Accelerate product development/innovation

FSS Authentication-As-a-Service model ensures customers have immediate seamless access to new functional innovation and upgrades with zero services disruption.

Data security and reporting

FSS Secure3D is compliant with data security, maintenance and privacy norms governing each region as well as regulatory reporting requirements in event of data breaches.

Business dashboards

Rich operational and business analytics to provide insights into fraud as well as fine-tune fraud-prevention performance across all channels. In addition, issuers can comply with regional regulatory mandates related to reporting.

High Service Reliability

With Authentication-As-A-Service issuers can seamlessly provision additional capacity in line with growth in transaction patterns. Further issuers are assured of high levels of service reliability with built-in redundancies and state-of-the art AI-based tools to monitor service performance levels.

Multiple geographic regions and availability zones allow issuers to remain resilient in the face of most failure modes, including system failures or natural disasters.

Assures high uptime with adaptive monitoring and management tools that use machine learning algorithms to predict and detect threats and proactively troubleshoot system performance issues.

Seamless Integration

In order to enable the full range of 3-D Secure functionality, FSS Secure3D includes straightforward APIs and SDKs, which can be seamlessly integrated into the acquirer’s existing e-commerce infrastructure.

Robust Security Practices

FSSNet environment is PCI DSS 3.2 certified, limiting exposure to threats and vulnerabilities and assuring high levels of data security. Our comprehensive and robust security practices for application and data protection include data encryption, continuous threat assessment and (in-transit and at-rest) malware protection, security patching, management of policy compliance. These security protections and control processes are independently validated by multiple third-party independent assessments.

FSS authentication system is compliant with data security, maintenance and privacy norms governing each region as well as regulatory reporting requirements covering data breaches.

Benefits to Issuers
Benefits to Merchants


Associated Products and Services

Payment Gateway

Enabling cashless, cardless payments

Debit CMS

Global leader in card management systems

Prepaid CMS

Single card management system–multiple uses

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