Reduced fraud and chargebacks
To deliver the best SCA experience, it’s critical to minimise friction during the payment process – and keep your fraud rates low. This means:
Maintain complete control over every part of your authorisation flow, and optimise SCA exemptions
By using Decision Manager to determine which transactions should flow through the authentication process before they’re sent for authorisation.
Move liability for fraudulent transactions back to issuers
When you use Payer Authentication on qualified transactions, the issuing bank becomes liable for fraud-related chargebacks on those transactions.
Reduce chargeback rates
By attempting to block fraudulent transactions before they’re sent for authorisation. This helps to catch potentially problematic transactions before they have a chance to result in fraudulent chargebacks.
Raise authorisation rates by filtering out more bad transactions
Send higher-quality transactions through for authorisation, providing issuers with the additional information to make better risk assessments and approve more transactions.
Protect your reputation
By providing customers with enhanced fraud prevention through every step of the transaction process.
Support PSD2 strong customer authentication (SCA) requirements
Cybersource can help to recognise and flag transactions that are out of scope for SCA and those that qualify for an SCA exemption.3
1 EMV® is a registered trademark in the US and other countries and an unregistered trademark elsewhere. The EMV trademark is owned by EMVCo, LLC.
2 Cybersource has maintained 99.999 percent uptime for fiscal year 2021. Experience on the platform varies based on products and use.
3 Strong Customer Authentication (SCA) must be applied to electronic payments within the EEA and the UK unless the transaction is out of scope or qualifies for an exemption.