Add cardholder authentication without adding friction to every sale

Who it's for

• Online merchants

  Card-not-present sales carry the fraud liability.

• International sellers

  Some regions expect authentication by default.

• High-ticket sellers

  Larger orders justify the extra step.

Core capabilities

• Risk-based rules

  Trigger authentication by amount, geography or risk signal instead of every transaction.

• Frictionless flow

  Most authentications complete without a challenge screen.

• Liability shift

  Where authentication succeeds and the rules apply, fraud liability moves to the issuer.

• Checkout integration

  Works with hosted checkout and gateway integrations.

• Outcome reporting

  See authentication rates and their effect on approvals.

How it works

Integrations

• Merchant dashboard

  Every transaction, deposit and exception lands in one dashboard.

• APIs and webhooks

  Connect the product to your own software with REST APIs and signed webhooks.

• Partner connectors

  Certified connectors for common POS, ERP and commerce platforms.

Security

• PCI DSS Level 1

  Processing runs on PCI DSS Level 1 audited infrastructure.

• Tokenization

  Card data is replaced with tokens, keeping raw credentials out of your systems.

• Role-based access

  Permissions and audit trails control who can see and do what.

Implementation

• Discovery

  A payment specialist reviews how your business gets paid today.

• Configuration

  Accounts, users and settings are prepared before you go live.

• Testing

  Run test transactions and confirm reporting before cutover.

• Launch and support

  Go live with training materials and post-launch support.

Pricing

• Transparent pricing

  Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.

For businesses in the USA

A direct answer for a business in the USA: the workflow, the limit, and what to confirm next.

• The payment workflow

  A US web purchase moves from checkout submission through issuer authentication and the payment result. Cover when a customer may see a challenge, how the merchant receives the outcome and which verified checkout paths support it. Use an approved screen sequence instead of implying every payment is challenged. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. 3-D Secure does not, by itself, prove delivery or win a dispute.

• The problem and the limit

  Keep separate cardholder authentication from payment authorization. Record supported versions, failed or abandoned challenges and fallback behavior. Have risk approve any liability-shift conditions and evidence requirements; neither authentication nor a technical integration guarantees an approved payment or a successful dispute response. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. 3-D Secure does not, by itself, prove delivery or win a dispute.

• What to confirm

  Before you rely on this, confirm US account availability, supported brands, international-cardholder handling and checkout integrations. In practice, enrollment and rule configuration, including presentment and settlement currency implications. Do not import Canadian payment-method labels or a blanket authentication mandate into the US page. Confirm eligibility, presentment currency, settlement currency and the enabled payment methods on the USA merchant account before quoting them. An illustrative amount is an example, not a fee or a funding promise. 3-D Secure does not, by itself, prove delivery or win a dispute.