Name of the product or service

SCA Optimisation

Votes: 26

Product or service description

As a leading provider of digital identity, fraud prevention, chargeback management, and payment gateway solutions Accertify, offers one-stop support for clients’ SCA products, while helping maximise sales in the post SCA landscape.

Founded by former in-house fraud and risk managers, Accertify understands the ever-increasing risks organisations face online and the new SCA requirements are no exception.

SCA Optimisation is fully-customizable and offers real-time reporting and machine learning capabilities that quickly adapt to emerging fraud trends to help you ensure your business is protected at all times. We also provide a scheme-agnostic 3DS authentication solution that only requires a single certification to support all major credit cards.

Accertify’s innovative SCA Optimisation is a real-time PSD2 decision engine with a fully configurable fraud element offering real-time reporting and cutting-edge machine learning capabilities that adapt to emerging fraud trends to help protect businesses at all times. Accertify provides a frictionless experience for customers and minimises cart abandonment while not compromising the outstanding fraud performance.

SCA is an important step forward for those on the right side of the law but as we’ve seen fraudsters are quick to adapt. Those with an interest in authentication now need to focus on ironing out the kinks in SCA and making the authentication journey more seamless and secure. When authentication is easy and robust, consumers engage while fraudsters are left frustrated.

Accertify’s digital network of trust allows businesses to have faith in who is on the other end of a transaction with less risk of fraud, therefore reducing the negative impact on user experience. This means that Accertify can be the first interactive part of the payment chain. As soon as a customer clicks, the risk decision is made so merchants can decide what to do with the transaction.

Distinction from the competition

Accertify has been protecting the world’s largest brands for over 15 years. We know the problems retailers face and we know how to solve them.

Accertify’s SCA Optimisation solution aims to reduce those bad outcomes as much as possible and has proven to be a valuable tool in achieving that objective, aiming to enhance the customer experience, offer scalable, configurable online payment options and comply with SCA.

• Offers end-to-end protection across channels and facilitates SCA. • Identifies low risk payments at pre-authentication stage for a seamless checkout experience. • Performs checks against both scope and exemptions criteria leveraging SCA exemptions selected by clients, including Transaction Risk Analysis (TRA) e.g., low value/low risk to inform the merchant’s decisioning process and enabling a secure, yet frictionless, customer checkout experience and help prevent cart abandonment.

Logic-based rules combined with cutting-edge machine learning fraud screening capabilities, means that our solution constantly improves to stay ahead of the shifting threat environment.

Product or service innovations

SCA Optimisation:

  1. Supports Compliance Efforts – SCA Optimisation provides merchants with expertise on how to use Accertify’s decision engine to support merchant compliance efforts. It performs checks against both scope and exemptions criteria to inform the merchant’s real time decisioning process.
  2. Improves Consumer Experience – Accertify introduces logic and rules and assesses fraud risk in real time on behalf of merchants. This reduces the need for 2FA and enables frictionless check-out experience to minimise lost revenue from cart abandonment.
  3. Reduces Costs – 3DS can be an expensive solution for SCA compliance. Accertify’s product minimises the need for 2FA (e.g., 3DS), therefore reducing any costs associated with it.
  4. Fraud prevention – Accertify’s cutting edge machine learning models manage fraud risk at the earliest point of a transaction, allowing merchants to reject highest risk traffic and route transactions either to exemption or 3DS to obtain fraud liability shift.

Accertify’s innovative SCA Optimisation is a real-time PSD2 decision engine with a fully configurable fraud element offering real-time reporting and cutting-edge machine learning capabilities that adapt to emerging fraud trends to help protect businesses at all times.

Customer case study

Marks and Spencer Group plc (M&S) is a major British retailer that is headquartered in London, UK. It was founded in 1884 by Michael Marks and Thomas Spencer and specialised in selling clothes, including M&S own brand, home products and food items.

Since the introduction of SCA regulations, M&S and Accertify have implemented a solution that provides a frictionless customer journey for 99.98% 1 of M&S customers. As a result, M&S has seen a 55% 2 reduction in its fraud rates.

1&2: Percentages based on M&S data taken in 2022

Accertify SCA Optimisation supports eCommerce merchants’ SCA needs, detects and prevents payment fraud, and can authenticate legitimate account activities. M&S worked with Accertify to utilise Transaction Risk Analysis (TRA) exemptions and maximise a frictionless experience and a seamless checkout experience whilst mitigating fraud risk.

M&S considers Accertify to be key to its future SCA strategy because it will help provide a frictionless experience for members while not compromising outstanding fraud performance.

Simon Wood, Head of .com Operations "Our goal is to manage the online customer journey from start to finish and our key objectives are to manage fraud without impacting the customer experience. This is why we chose to work with Accertify."

Simon Wood, Head of .com Operations "Accertify helped us decrease our chargeback fraud rate below 0.05% of total sales — one of the best in the retail eCommerce sector. We have also expedited our chargeback management process and improved win rates."

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