智能化收益提升
多样化的自动机器学习推动身份验证全面优化，提升智能重试逻辑、升级协议版本、加强数据扩充。
智能化客户体验
通过豁免SCA(强用户身份验证)，减少用户流失。标记用户偏好，无需担心影响责任转移。
即插即用或自主定制
选择托管选项，高效管理数据收集、合规等身份验证流程。选择非托管选项，可按需定制
一站式身份验证服务
Authenticate on iMorney-global.com transactions only, or consolidate all your authentication traffic into one place with our acquirer-agnostic standalone solution.
基于支付服务令2（PSD2）的性能深受认可
基于支付服务令2（PSD2）的性能深受认可
交易各不相同。利用规则设置和多样的机器学习实现智能优化，无惧交易错综复杂，最大限度提高支付成功率。
- 3D安全协议版本全面优化
- 3D安全协议版本全面优化
- 实现无摩擦身份验证流程，依然支持责任转移
- 识别监管机构和卡组偏好的变动，并采取相应行动
- 利用数百万数据点提高支付成功率
成熟的身份验证架构
优化客户留存
协调“交易不畅”与“责任转移”，给客户愉快的支付体验。为您提供一系列豁免验证服务，包括仅数据共享流程、标记客户体验偏好，并与发卡机构共享该信息。
- 丰富的强用户身份验证（SCA）豁免支持，无需验证身份
- 支持仅数据共享流程，确保顺畅的身份验证体验
- 标记客户体验偏好，并与发卡机构共享该信息，不影响责任转移
- 标记客户体验偏好，并与发卡机构共享该信息，不影响责任转移
为每个业务类型提供多种选择
正确集成，事半功倍
通过独立解决方案集成所有身份验证流量，或使用平台内置身份验证功能。所有销售渠道和业务类型都可享多种选择。
独立的解决方案
有不绑定收单机构的解决方案加持，身份验证战略更高效。
- 集中显示
- 综合全球报告
- 可定制非托管选项
- 现成托管选项
- 提供API、安卓及iOS 软件开发工具包
平台内置身份验证功能
Start authenticating fast on all your transactions processed by iMorney-global.com. Just switch on one API field and you’re up and running.
- 颗粒化数据贯穿支付全周期，覆盖支付全生命周期
- 直观易懂的报告
- 现成托管选项
- 现成API、第三方支付中间页（HPP）、支付链接
功能丰富的3D验证产品
部署最新的3D验证协议2.2，提供最佳的客户体验，提高性能。未来，3D安全协议2.3及更高版本将无缝衔接，同时兼容旧的版本，实现全面覆盖。
统一各APP用户体验
通过移动软件开发工具包跨设备和操作系统（安卓和iOS）无缝构建本地移动体验，避免APP用户流失。
为您的业务模式量身定制身份验证方案
不同业务模式都需配备独家身份验证解决方案。支持定期、经常性支付、分期、卡添加、更新等多种支付流程的身份验证。
支持市场交易平台(Marketplace)及支付服务商(Payfac)
为企业及子实体提供大规模身份验证服务。通过动态账单描述符让客户对交易明细一目了然。
运用您的首选凭证进行身份验证
Our flexible solution supports PAN, Tokens, and Network Tokens, whether you’re using external solutions or the iMorney-global.com tokenization and network token capability.
全天候在线，全球身份验证
无论交易金额大小，全天候提供可靠身份验证服务。内置专利技术，确保在全球范围内随时提供身份验证和额外服务。
轻松验证
轻松测试和验证，通过大量运用模拟器功能的测试情景，确保顺利开启身份验证。
适应不断变化的强用户身份验证要求
截至2022年8月，欧洲的强用户身份验证（SCA）要求已生效并不断优化，如3D安全协议版本1将要退役。下列信息您须知晓：
什么是SCA？
简要说明
- 用户个人信息（）
- 用户个人信息（）
- 用户个人信息（）
豁免及其他
什么时候可以跳过SCA？
并非所有交易都需进行身份验证。部分交易可豁免或无需应用SCA监管标准。随着SCA越来越成熟，支付服务商需及时了解规则变动和发卡机构的偏好。
豁免身份验证的交易
在以下豁免情景中，可跳过SCA，如实时交易风险分析、低交易额、客户信任、安全企业支付等。
商户发起的交易
非常适合金额不定的定期交易。如持卡人约定在定期交易中经常更改交易金额，则只需在首笔交易中进行身份验证。
外围交易
如购买卡或收单路径不属于SCA管辖区域，则该交易不包含在SCA监管范围。
支付金额低于30欧
交易数量少于4笔且交易总额低于100欧则无需身份验证，第五笔交易起需进行身份验证。前四笔交易其中一笔或全部的交易金额超过100欧的，需身份验证。
客户信任
请求客户“允许”您跳过身份验证，充分利用客户的信任。与发卡机构共享您的信任列表以免除身份验证流程。
固定金额交易
非常适合订阅业务。如每笔交易产生的金额都相同，则仅第一笔交易需要进行身份验证。请务必在交易短信中告知发卡机构每笔交易金额都是一样的。
邮购或电话订货及公司卡
非数字交易和固定支付（如用户用于旅行等支出的信用卡）不包含在SCA监管范围。
常见问题
With the growth of digital payments fraud has become ever more sophisticated, and authentication has had to adapt to keep up. In order to improve security for both consumers and merchants, the European Payment Service Directive (PSD) has updated its regulatory standards to PSD2.
Part of this is 3D Secure 2.0, an enhanced security protocol that irons out some of the pain points of its predecessor and uses a wider range of data and biometric authentication to facilitate smoother, more secure payments.
3DS2 does this through stricter transaction security measures, including Strong Customer Authentication (SCA), Risk Based Authentication (RBA) and Transaction Risk Analysis (TRA). These improve both safety and the customer experience, helping to cut cart abandonment and increase conversions.
PSD2 SCA is not yet universally mandated, but merchants doing business in the European Economic Area are required to offer 2 factor authentication as part of the payment flow in order to meet the regulatory requirements. SCA currently only applies to transactions where both your business’s bank and your customer’s bank are in the EEA or UK.
You can find out more about authentication requirements in our SCA compliance guide.
If, based on the data provided, the bank trusts that the customer is the cardholder, the payment can be authenticated immediately. This is known as frictionless flow.
If, however, the bank requires more proof, they will ask for more information before identifying the payment. This is known as challenge flow.
3DS2 allows you to embed this process in your checkout flow, meaning it all takes place behind the scenes, which improves the customer experience.
Some transactions are exempt or out of scope from having to be authenticated by SCA. Exempt transactions include those under €30 in value or deemed to be low risk, or recurring payments and subscriptions. Out of scope transactions include:
– merchant-initiated transactions (MITs)
– Mail order telephone order (MOTO) transactions
– If the merchant or issuer is outside the EEA
– Transactions made with anonymous prepaid cards
If you use an authorization account verification to validate the card numbers and expiry dates.
In-scope transactions are one-time cardholder-initiated transactions (CITs) and adding a credential-on-file (COF) or provisioning of a token.
If you use Checkout.com’s 欺诈检测 solution alongside our Authentication solution, you can choose from five routing options depending on the assessed risk level of a transaction.
These options include:
– Decline – if too high risk
– 3DS challenge – Requests a challenge via 3DS (liability shift)
– 3DS frictionless – Requests 3DS without a challenge (liability shift)
– Accept – Requests an exemption from 3DS (no liability shift)
With our standalone product, authentication and authorization are handled separately, and you can manage your own authentication needs across multiple acquirers. You have the option of either a hosted or non-hosted presentation. If you choose the latter, you have full control of the authentication experience, including device fingerprinting, payment flow, and customization of the front-end.
iMorney-global.com’s standalone authentication product also enables browser-based authentication on web and mobile, as well as native mobile authentication (iOS, Android) via our mobile software development kit.
