At Outseer, we are committed to staying ahead in the ever-evolving landscape of card and payment fraud. In our latest release for Outseer 3-D Secure ACS, we have made enhancements  that ensure compliance, security, and a frictionless card not present customer experience for our card issuers worldwide, through certifications for EMV 3DS v2.3.1.1, AmEx Safekey 2.2, and VISA 3RI delay and split shipment flows.

Manage Regulatory Compliance & Stay Compliant

EMVCo 3DS v2.3.1.1 Certification Process

Outseer has implemented EMVCo 3DS v2.3.1.1 and kicked off the certification process to provide enhanced authentication and global compatibility for our clients. Certification is expected to be complete by the end of Q3 2024. This certification underscores our commitment to the highest standards of security, data sharing to further improve risk management, continuous enhancement of cardholder experience and interoperability. With the EMVCo 3DS v2.3.1.1 certification, card issuers can ensure that every transaction, regardless of the customer’s location, meets stringent global security standards. This not only enhances customer trust but also significantly reduces the risk of fraud.

AmEx SafeKey 2.2 Certification Process for more Secure and Frictionless Transactions

Outseer has also initiated the AmEx SafeKey 2.2 certification process, which will further improve 3-D Secure transactions, making them even more secure and frictionless. This certification is expected to be complete by the end of Q3 2024. It reinforces our commitment to delivering the latest card scheme compliance for card issuers. The AmEx SafeKey 2.2 certification ensures compliance and streamlines 3-D Secure transactions, reducing cart abandonment rates. This not only boosts card issuer interchange revenue but also improves consumer experience.

VISA 3RI: Elevate Security & Streamline Transactions

Flexible Applications: Supporting Complex Payment Scenarios

Our support for VISA 3RI now includes flexible applications for delay and split shipment payment scenarios. Card issuers can authenticate and manage payment scenarios from merchants who offer separate shipments, subscription products, pre-orders or fulfilling backorders. This flexibility ensures that customers are only charged for items when they are dispatched, enhancing transparency and trust. This reduces the chances of false declines and improves the overall customer experience.

Our updated VISA 3RI implementation also improves the data exchange between merchants and issuers. This enhanced communication ensures informed decisions are made while safeguarding customer information.

Enhancing Cardholder Experience with OAuth Support

Finally, card issuers will be able to offer an authentication option that delivers an improved consumer experience for cardholders—eliminating the need to remember multiple usernames and passwords—and enhanced privacy, as no personal data is shared. Outseer customers will be able to manage this authentication option through the self-service capabilities in our portal, enabling users to independently configure and manage settings.

At Outseer, we are dedicated to product advancements that not only meet but exceed industry standards. Our latest updates, including the certification process for EMVCo 3DS v2.3.1.1 certification and AmEx SafeKey 2.2 certification, and the flexible, secure capabilities of VISA 3RI, will ensure our card issuers are compliant with latest global protocols and card schemes and continue to deliver a secure, frictionless card not present transaction environment for consumers.

Not a customer yet? Request a consultation to learn how 3-D Secure ACS deliver maximum Return on Investment and contribute positively to your bottom-line.

Andy Brock

Senior Product Manager, 3-D Secure