Protect Every Transaction with 3D Secure Fraud Prevention
Stop fraudsters in their tracks and safeguard every transaction with our advanced 3D secure payment authentication software.
FastoSafe
Stop Fraud Before It Starts with 3D Secure Fraud Prevention
Frictionless Fraud Detection
FastoSafe’s 3D Secure 2.0 solution analyzes over 100 data points per transaction, including device fingerprints, purchase history, and behavioral biometrics. This advanced fraud prevention system ensures seamless security by distinguishing between legitimate customers and potential fraudsters in real time.
Shift Liability and Reduce Chargebacks
With FastoSafe, verified transactions shift liability to the issuing bank, protecting merchants from financial losses. This reduces chargebacks by up to 70%, ensuring banks prioritize authenticated transactions. High-risk industries like gambling and adult entertainment benefit from fewer disputes and a more predictable cash flow.
Stronger Dispute Evidence for Merchants
Authenticated transactions provide irrefutable proof of customer consent, significantly increasing the chances of winning chargeback disputes. With a 92% success rate in representment cases, FastoSafe helps businesses recover lost revenue while maintaining compliance with global security standards like PSD2.
3D Secure 2.0: Built for Speed and Security
Gone are the days of clunky redirects and abandoned carts. FastoSafe’s modern 3D Secure 2.0 solution minimizes interruptions by authenticating 95% of transactions silently. Key advancements include:
Frictionless Mobile Integration
Optimized for smartphones and apps, our system supports Face ID, Touch ID, and in-app authentication, reducing mobile checkout time by 50%.
Smarter Risk Assessment
Machine learning evaluates transaction context, like recurring subscriptions or low-value purchases, to apply authentication only where necessary.
Real-Time Collaboration with Issuers
Direct communication with banks enables instant decisions, ensuring even high-risk transactions resolve faster than legacy systems.
Seamless Integrations
Add intelligent fraud protection to your existing payment stack in minutes. FastoSafe connects seamlessly with Stripe, Shopify, and WooCommerce, bringing real-time fraud prevention to your transactions without changing how you work.
Why 3D Secure Matters for Your Business
How do you know if a buyer is legit? Without authentication, stolen card details can lead to fraud and chargebacks. With FastoSafe you get less fraud, fewer chargebacks, and a smoother checkout for everyone.
Smart Security
3D Secure analyzes location, device, and shopping patterns in real time.
Seamless Experience
If everything looks normal, the purchase is approved instantly.
Extra Protection
If something’s off, it asks for a fingerprint or a one-time code.
Comply with Global Regulations
Accept payments securely, without the hassle. FastoSafe’s 3D Secure gateway ensures seamless transactions across 150+ countries, adapting to regulations automatically.
Built-in Compliance
Meets SCA, PSD2, and evolving global standards.
No Manual Updates
Authentication adjusts in real time.
What's the Difference Between 3D Secure 1.0 and 2.0?
3D Secure 1.0
3D Secure 1.0 interrupts every transaction with a static password prompt, causing high checkout abandonment due to added friction. Its fraud prevention is basic, relying on weak verification methods that leave merchants vulnerable to chargebacks. Additionally, it is outdated and does not comply with modern security regulations
3D Secure 2.0
3D Secure 2.0 improves the user experience by only stepping in when suspicious activity is detected, ensuring a smoother checkout process. It analyzes behavior, location, and device data in real time to enhance fraud prevention. With stronger, adaptive authentication, it significantly reduces chargeback risks and meets PSD2 and other global security standards.
Boost Trust, Loyalty, and Conversions
Customers demand security as much as convenience. By displaying trusted badges like Visa Secure or Mastercard Identity Check at checkout, FastoSafe reinforces your commitment to safety.
This transparency converts wary shoppers into loyal advocates, with brands reporting an 18% increase in repeat purchases post-implementation.
Hear From Our Customers
Travel Sector
“As a travel agency, we faced relentless fraud. After implementing FastoPayments’ 3D Secure, chargebacks dropped 68%, and our payment approval rates soared.” CFO at a travel agency.
Gambling/Gaming Industry
“Since switching to their 3D Secure solution, our chargeback ratio dropped from 2.3% to 0.4%. The frictionless flow even improved our mobile conversion rates!” — Gambling business owner.
Ready to Implement 3DS?
FAQs About 3D Secure Fraud Prevention
What is 3D Secure?
3D Secure is a global standard for online payment security that adds an extra layer of authentication to every transaction. Initially launched by Visa in 2001 and now evolved into 3DS 2.0, it’s trusted by major card networks around the world, including Visa Secure, Mastercard Identity Check, American Express SafeKey, and JCB’s J/Secure. It works by involving three distinct parties: your merchant’s bank, the payment network’s infrastructure, and the customer’s card issuer. This collaboration creates a robust defense that makes unauthorized transactions nearly impossible.
How does FastoSafe 3D Secure work?
When a customer makes a purchase, our 3D Secure payment gateway for ecommerce kicks in to analyze transaction data in real time. For potentially risky transactions, it requests additional verification (like a one-time password or fingerprint scan), ensuring only legitimate purchases go through.
Why use 3D Secure?
Protect your revenue, reduce fraud, and build customer trust. Simple as that.
Is 3D Secure required?
While not universal, 3D Secure is strongly recommended. For EU operations, it's essential for regulatory compliance.
How does 3D Secure prevent chargebacks?
By verifying cardholders before purchase, 3D Secure stops unauthorized transactions before they happen. The result? Fewer disputes, lower chargeback rates, and more revenue staying where it belongs.
How does FastoSafe 3D Secure affect checkout speed?
FastoSafe’s 3D secure fraud prevention software authenticates most transactions in milliseconds. Only 5% of high-risk payments require extra steps, with mobile users completing biometric checks in under 10 seconds.
What is the difference between 3D Secure 1.0 and 2.0?
3D Secure 1.0 often disrupts transaction with multiple authentication prompts, whereas 3D Secure 2.0 uses advanced risk assessment to only challenge transactions that are high risk, resulting in a smoother checkout process.
How does FastoSafe use AI to stop fraud?
Our advanced AI engine processes hundreds of real-time signals to assess risk, triggering additional authentication only when necessary. This intelligence keeps checkout smooth while maintaining robust security.
How does FastoSafe's 3D Secure integrate with mobile apps?
FastoSafe’s 3D Secure solution is fully optimized for mobile devices. It supports various authentication methods that are user-friendly on smartphones and tablets, ensuring a secure and seamless mobile checkout experience.
How can I enable 3D Secure on Stripe, WooCommerce, or Shopify?
To enable 3D Secure on your ecommerce platform of choice, start by submitting your business details through our contact form. Our team will schedule a free consultation to assess your needs and design a custom security strategy.
How does 3D Secure ensure regulatory compliance?
3D Secure helps you meet key requirements like PSD2's Strong Customer Authentication (SCA), keeping your business compliant and your payments flowing smoothly across regions. The integration process is API-driven and typically takes just a few days to complete, connecting seamlessly with your existing payment systems.
