Strong Customer Authentication (SCA), known as two-party authentication, is a mechanism that protects online shoppers from fraud. Many major card issuers are implementing 3-D Secure. However, the previous version of 3DS 1.0 resulted in lengthy security procedures for mobile users and reduced conversion rates. 3DS 2.2 and Netcetera’s Access Control Server are no longer an issue for American Express (ACS).
3DS 2.2, supported by Netcetera’s Access Control Server (ACS), several factors (transaction limits, whitelisting) are used to bypass unnecessary steps and encourage simplified online purchases.