EMV®  3-D Secure is the backbone of today’s card-not-present authentication solutions – driving greater insights and better decisions

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Standards-based authentication

Mastercard Identity CheckTM leverages the latest authentication standards to help complete more transactions without disruption to your customer experience.

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Requests, always answered

Smart Authentication is an issuer solution designed to ensure merchant authentication requests are always answered – helping to prevent a negative experience and reduce risk.

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Connected merchant security

Smart Interface offers merchants an intelligent, layered approach to participate in EMV 3-D Secure and enhance the checkout experience with a single, flexible connection.

Mastercard can help you ensure that transactions are secure and that legitimate transactions can be approved, with as little friction as possible

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Get smarter payment authentication with Mastercard Identity Check

  • Helps eliminate unnecessary friction during authentication
  • Supports all card-not-present channels for secure payments on any device
  • Enables the exchange of richer data between you and financial institutions
  • Covers recurring payments, digital wallets, tokenization, and more

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Enhance consumer convenience and the overall experience with Mastercard Smart Authentication

  • Reduce false declines by using better information during decisioning
  • Drive approval rates to improve loyalty and engagement with your customers
  • Enhance the digital payment experience with support for all card-not-present channels
  • Apply intelligent friction to only the most risky transactions

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A flexible connection for merchants to Mastercard’s 3DS server with Smart Interface

  • A flexible connection for merchants to Mastercard’s 3DS server with Smart Interface
  • Apply behavioral biometrics before the payment
  • Enable payment authentication through EMV-3DS rails
  • Intelligently populate optional data fields in authentication requests
  • Enhance decisioning and manage compliance with global regulations via a tailored rules engine

Learn more

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Learnings from Mastercard Identity Check Early Adopter Program

Learn how EMV® 3-D Secure, the new industry standard and protocol for merchants sending data to issuers during a card-not-present (CNP) transaction, will help address false declines and lower CNP fraud while providing a better customer experience.

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Download this report to learn more about 3-D Secure in action


Authentication that’s as seamless as it is secure. Mastercard is here to help.