FSS Secure 3D is a modern 3D Secure system built on EMVCo 3DS 2.0 that provides strong authentication for card-not-present transactions. It enables issuers and merchants to authenticate users in real time, reducing fraud while maintaining a smooth checkout experience.

With risk based authentication, FSS Secure 3D analyzes over 150 data variables—merchant, device, transaction history, location, etc.—to compute a risk score. Low-risk transactions can proceed frictionlessly; high-risk ones invoke step-up verification such as biometrics or OTPs.

Yes. The platform uses advanced machine learning and transaction monitoring tools to detect anomalous behavior and flag suspicious activity. It's part of a broader set of fraud detection systems designed to minimize false positives and improve conversion rates.

Because of its risk‑based authentication engine, around 95% of transactions are approved without challenge, improving checkout rates and customer satisfaction while only challenging truly suspicious activity.

Fraud detection systems are embedded into the core: multiple data inputs—merchant risk, card behavior, device fingerprinting, velocity checks—are continuously monitored. The system learns evolving fraud patterns and dynamically tunes authentication decisions over time.

FSS Secure 3D is hosted on FSSNeT (a PCI‑DSS v3.2 certified private cloud) and helps banking clients meet regulatory mandates such as PSD2 SCA via compliance management systems, handling certification, reporting, encryption, data privacy, and audit trails.