--- title: 3D Secure Authentication & Payment Processing | Inovio description: "Enhance online payment security with 3D Secure processing: an extra layer of fraud protection, seamless user experience, and reduced chargebacks for safer transactions." --- [![Inovio logo](https://www.inoviopay.com/hubfs/inovio-logo-footer.png)](https://www.inoviopay.com/) - [Payment](https://www.inoviopay.com/payment) - [![International Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/international-ico.webp) International Go global with secure payment acceptance for virtually every currency. ](https://www.inoviopay.com/payment/international) - [![Web3 Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/web3-ico.webp) Web3 Experience the future of payments as blockchain technology meets our next-level software development. ](https://www.inoviopay.com/payment/web3) - [![Payment Gateway Icon](https://www.inoviopay.com/hubfs/23215603/Inovio/payment-gateway-ico.webp) Payment Gateway Access a flexible payment gateway that’s secure and scalable. ](https://www.inoviopay.com/payment/payment-gateway-open-api) - 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[Risk Management](https://www.inoviopay.com/features/risk-management) - [Reporting](https://www.inoviopay.com/features/reporting) - [Integrations](https://www.inoviopay.com/features/third-party-integrations) - [White Label API](https://www.inoviopay.com/features/flexible-white-label-api) - [Authorization Optimization](https://www.inoviopay.com/features/authorization-optimization) - [Multi-Currency](https://www.inoviopay.com/features/multi-currency) - [Fraud](https://www.inoviopay.com/features/fraud-reduction) - [Industries](https://www.inoviopay.com/features/security#) - [←](https://www.inoviopay.com/features/security#) - [Industries](https://www.inoviopay.com/industries) - [Retail](https://www.inoviopay.com/industries/retail) - [High Risk](https://www.inoviopay.com/industries/high-risk) - [Medicinal](https://www.inoviopay.com/industries/medicinal) - [SaaS](https://www.inoviopay.com/industries/saas) - [Education](https://www.inoviopay.com/industries/education) - [Explore](https://www.inoviopay.com/features/security#) - [←](https://www.inoviopay.com/features/security#) - [Contact Us](https://www.inoviopay.com/features/security#) - [About Us](https://www.inoviopay.com/about) - [Blog](https://www.inoviopay.com/blog) - [Partners](https://www.inoviopay.com/partners) - [System Status](https://paymentshub.statuspage.io) - [North.com](https://north.com) ![Inovio logo](https://www.inoviopay.com/hubfs/Group%2029234.png) - Close We're here to help! If you’ve made it this far, you’re the smart and savvy type we love doing business with. Contact us by calling [866-267-2246](tel:8662672246), emailing [info@inoviopay.com](mailto:info@inoviopay.com?subject=InovioPay.com%20Contact%20Form), or filling out the form. [Home](https://www.inoviopay.com/) › [Features](https://www.inoviopay.com/features) › Security ## 3-D Secure 2.0 Authentication. 3-D Secure (3DS) is a security protocol that adds an extra layer of authentication for card-not-present transactions to verify the cardholder's identity. Version 2.0 of 3-D Secure, launched in 2017, featured several improvements over the original protocol. These included: The ability for merchants to integrate 3DS into mobile apps, the addition of biometric authentication like face or voice recognition, and improved risk assessment. Let Inovio and 3DS 2.0 help you reduce checkout times, abandonment rates, and fraud. Explore                          ›   ## Benefits of Inovio’s 3D-Secure Payment Processing ![Security_ico1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_ico1.webp?width=130&height=130&name=Security_ico1.webp) ### Customer Authentication. Having a strong customer authentication process like 3DS2 in place is one of the keys to safeguarding sensitive credit card information throughout the checkout process. Let Inovio help you identify and implement all the authentication protocols you’ll need to put 3DS2 to work for you. ![Security_img1](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_img1.webp?width=417&height=370&name=Security_img1.webp) ![Security_ico2](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_ico2.webp?width=130&height=130&name=Security_ico2.webp) ### Secure Payment Gateway. The world’s most intelligent payment gateway, Inovio can seamlessly connect to virtually any credit card processing company while providing the very latest in payment security. ![Security_img2](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_img2.webp?width=417&height=370&name=Security_img2.webp) ![Security_ico3](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_ico3.webp?width=130&height=130&name=Security_ico3.webp) ### PCI Compliance. As a PCI DSS Level-1 compliant payment processor, we help simplify the PCI compliance process through our innovative PCI Plus Program that eliminates SAQ and scan requirements while offering forgiveness in the event of a data breach for qualifying merchants. ![Security_img3](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_img3.webp?width=417&height=370&name=Security_img3.webp) ![Security_ico4](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_ico4.webp?width=130&height=130&name=Security_ico4.webp) ### Certified P2PE. Inovio provides an additional layer of security throughout the checkout process through certified point-to-point encryption that converts sensitive payment information like credit card numbers into random characters (tokenization) that are worthless to would-be cybercriminals. ![Security_img4](https://www.inoviopay.com/hs-fs/hubfs/Inovio/Security_img4.webp?width=417&height=370&name=Security_img4.webp) ## Frequently Asked Questions ### What are the benefits of using 3-D Secure? There are several benefits to using 3-D Secure as an authentication method when accepting payments online. These include a significant reduction in unauthorized card transactions and fraud as well as an increase in compliance with legal standards and regulations. Plus, a shift in the liability for chargebacks to the cardholder’s issuing bank. Not to mention, increased acceptance rates and customer satisfaction which help create more repeat customers. ### How do 3-D Secure payments work? With 3-D Secure authentication, customers are directed to their card issuer’s 3-D Secure page where they will be asked to provide additional info like a time passcode, password, or the answer to a security question. If the customer enters the correct information, the card-issuing bank will then verify the transaction and the customer will be sent back to the ecommerce website to complete the payment process. ### What is PCI compliance? PCI compliance refers to the adherence to a set of policies and procedures developed by the major credit card brands designed to prevent the compromising of cardholders’ sensitive personal information by businesses who handle it. To be compliant, you must meet 12 separate requirements including those related to the use of firewalls, encryption, antivirus software, and more. At Inovio, we have solutions that simplify the PCI compliance process like our PCI Plus Program, featuring Breach Forgiveness for qualified merchants. ```json { "@context" : "http://schema.org", "@type" : "BreadcrumbList", "itemListElement" : [ { "@type" : "ListItem", "item" : { "@id" : "https://www.inoviopay.com", "name" : "Home" }, "position" : 1 } ] } ```