Payments Fintech Becomes End-to-End Payments Provider with 3DS 2.3.1 Certification, the global payments solution provider, is now the first to be certified by EMVCo, for the latest 3DS 2.3.1 protocol.

This certification “allows authentication to best support merchant needs, using proprietary artificial intelligence to roll out support in a safe and intelligent way.”

This comes at a time “when 25% of eCommerce companies around the world are experiencing a significant rise in fraud and chargebacks, which results in sub-par customer experience and lost revenue for merchants.”

This latest 3DS protocol aims “to directly address some of the biggest pain points of previous protocols, such as reduced payment performance and increased cart abandonment as a result of customer friction.”

Previously, the burden has been “on the consumer to switch from the merchant payment page to their bank app and back again, to verify the transaction.”

This often led to errors “that resulted in consumers abandoning their online shopping cart. 3DS protocol 2.3.1 introduces automation that aims to simplify the authentication process by automatically identifying the consumers’ bank and redirecting them to the app.”

This will remove “the existing manual process, improve the customer experience and reduce the amount of cart abandonment.”

In addition, EMV 3DS 2.3.1 “introduces new authentication methods such as WebAuthn, Secure Payment Confirmation (SPC) and other capabilities that aim to reduce fraud with the introduction of FIDO-based biometric authentication and improve the customer experience.”

Rami Josef, Product Director for Authentication & Payment Performance at, said:

“Being the first global payments provider to have achieved EMV 3DS 2.3.1 certification is testament to the investment and success we have had with our leading Authentication product, which is already being used by global businesses like Klarna to reduce merchant and customer friction. Our mission for Authentication is to provide the highest authentication performance for merchants, while presenting a seamless customer experience. Our YoY growth in volume and adoption proves this is a strategy that merchants are reciprocant towards. EMVCo’s goal with 3DS 2.3.1 naturally aligns with ours and we’re excited to be at the forefront of rolling this out to merchants and industry players.”

This certification “follows quickly from Ubble’s, which was acquired by last year, ANSSI (National Agency for the Security of Information Systems) Remote Identity Verification Provider (PVID) certification last month.”

It is a continuation of’s multi-product journey as it “builds its Payments Plus offering, following Authentication enhancements announced last year, customisable virtual and physical cards with Issuing, Fraud Detection Pro to help merchants combat fraud and optimise their revenues and Integrated Platforms, a fully flexible solution to support marketplaces and sellers in an evolving digital economy.”

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