3DS | Porque devo ter autenticação 3DS 2.0?

O que é autenticação 3DS

Primeiramente devemos entender que a autenticação 3DS são protocolos interbancários que permitem oferecer alto nível de segurança para pagamentos online. Seu o objetivo é certificar a identidade do portador do cartão que realiza a compra.

3DS se tornou obsoleto

O EMVCo (comitê com maiores representantes da indústria de meio de pagamento) percebeu que o 3DS acabava baixando a conversão dos e-commerces.

Na última fase da jornada de compra, o pagamento, acabava se alongando e gerando pouca confiabilidade. Então o EMVCo se mobilizou e lançou uma uma nova versão: o 3DS 2.0, ou também conhecido como EMV 3DS.

Com essa atualização cria a expectativa de que a autenticação 3DS 2.0 aumente a conversão, diminuindo fraudes e facilitando transações de débito no próprio checkout.

Não vai haver a necessidade de redirecionar o cliente para o ambiente do banco. Nesse cenário, quando houver chargeback, não será mais o lojista e sim o emissor que irá garantir o ressarcimento ao portador.

Quais as diferenças entre o 3DS e o 3DS 2.0?

Como é o 3DS

No fluxo de pagamento com desafio (senha), o cliente passa os dados do cartão para o estabelecimento que solicita a autenticação para o 3DS.

A partir disso, a requisição vai para o MPI (plataforma de autenticação), que encaminha para a bandeira, que solicita a análise de risco para o emissor.

O emissor, por sua vez, pode solicitar o desafio novamente e retorna com a resposta.

Como é o 3DS 2.0

3ds 2.0

Com o 3DS 2.0, o fluxo interno permanece praticamente o mesmo, o que muda é a interface com o usuário.

Ao invés de uma nova página, uma lightbox é aberta no mesmo endereço. A nova versão é capaz de processar um maior volume de informações. Dessa forma aumentam as chances de uma autenticação silenciosa, ou seja, quando o emissor não precisa solicitar uma senha.

Outros recursos são: a adaptação ao mobile, a possibilidade de requisição de outros tipos de desafio (como SMS e token), ampliação do uso da função débito e a separação da transação do processo de autenticação (se houver falha, a transação não é perdida).

Onde isso se aplica no dia a dia?

Para os estabelecimentos comerciais, com a autenticação 3DS 2.0 passam a ter condições de encaminhar mais dados da compra ao emissor do cartão. Isso auxilia na promoção de autenticação sem que ocorra o desafio ao portador.

Além disto, os estabelecimentos comerciais terão a capacidade de identificar com antecedência se o emissor do cartão seguirá com uma autenticação. Com ou sem o desafio ao portador do cartão, dando mais flexibilidade aos estabelecimentos para seguir fluxos distintos de acordo com a resposta dada pelo emissor.

Melhora a experiência de consumo

Já para os consumidores finais a jornada fica mais simples no pedido de autenticação.

Quando o banco pedir a autenticação ao portador, ele terá até duas telas, o portador escolhe o meio de autenticação disponível e digita ou confirma o dado solicitado pelo banco. Bem simples, intuitivo e fluido.

Da mesma maneira como estamos acostumados em confirmar a nossa autenticidade quando acessamos a nossa conta de e-mail ou rede social.

As mudanças trazidas pelo 3DS 2.0 já são uma realidade.

Esta inovação traz inúmeros benefícios na redução de fraudes e na maior conversão de compras. A solução impacta positivamente o consumidor, aprimorando sua experiência de pagamento.

Conheça mais tendências para e-commerce neste artigo do nosso blog.

Você pode começar a modernizar a sua empresa com pagamentos instantâneos HOJE.

A Aarin pode auxiliar na otimização do seu e-commerce com nosso Hub financeiro Pix! Acesse nosso site para fazer o seu cadastro e começar a aceitar o Pix agora mesmo.

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