The new solution from FIS’ recently acquired Worldpay merchant business helps global eCommerce retailers and merchants fight fraud, accelerate online and mobile checkouts by reducing cart abandonment, and maximize payment authorizations.

3DS is the primary mechanism used by merchants globally for authenticating cardholders online. It will be superseded by 3DS2, the latest generation of the technology designed to create a more seamless, shopper-friendly payment flow, especially on mobile devices.

While most issuing banks support 3DS1, a growing number are adopting 3DS2.1 and the latest 2.2 protocol. The Worldpay 3DS Flex solution supports all 3DS protocols to provide an improved authentication experience for consumers shopping online while minimizing the incidence of declined payments and reducing shopping cart abandonment.

3DS Flex offers intelligent switching—automatically routing payments for merchants through the most optimal version of authentication supported by the issuing bank. 3DS Flex also helps protect consumers from online fraud by leveraging geolocation data, shopper history and a wealth of other data to accurately verify a shopper’s identity online or on a mobile device.

As the first Payment Service Provider to employ the latest 3DS2.2 standards, Worldpay provides seamless payments through its 3DS Flex product, which uses biometric authentication techniques like face ID and fingerprint -as well as the latest technology to exempt consumers from additional authentication steps when a payment is considered low risk or when shopping with a trusted merchant.

In addition, 3DS Flex enables merchants to authenticate payments anywhere in the world, not just in SCA-mandated markets.

“Regardless of the SCA timeframe announced by local regulators, we are ready to help businesses become compliant and apply SCA, so they can offer an improved authentication experience and minimize unnecessary declines or abandonment,” said Charles Damen, SVP Product Strategy, Worldpay Merchant Solutions at FIS. “In an increasingly competitive ecommerce environment, it’s vital for merchants to consistently maximize payment acceptance. Being the first to offer the latest in security authentication with 3DS2.2 will allow our merchants to offer a slick, secure shopping experience to their consumers.”

3DS Flex is a part of Worldpay from FIS’ suite of products helping merchants navigate the PSD2 regulation affecting payments in the European Economic Area.