{"id":20021,"date":"2023-05-31T11:31:42","date_gmt":"2023-05-31T09:31:42","guid":{"rendered":"https:\/\/test.centralpay.eu\/unified-account\/security\/3d-secure-2-0\/"},"modified":"2026-08-06T10:28:01","modified_gmt":"2026-08-06T08:28:01","slug":"strong-authentication","status":"publish","type":"page","link":"https:\/\/www.centralpay.com\/en\/security-center\/strong-authentication\/","title":{"rendered":"Strong authentication protocol"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"20021\" class=\"elementor elementor-20021 elementor-13727\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-17346c0b e-flex e-con-boxed e-con e-parent\" data-id=\"17346c0b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-d9431d e-con-full e-flex e-con e-child\" data-id=\"d9431d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-90c804e e-con-full e-flex e-con e-child\" data-id=\"90c804e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ceab106 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"6ceab106\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6af128ba elementor-widget elementor-widget-heading\" data-id=\"6af128ba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Next-generation<br><span style=\"font-weight:400\">strong authentication<span style=\"font-weight: 600\"><\/span><\/span><\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-509b600e elementor-widget elementor-widget-text-editor\" data-id=\"509b600e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Take advantage of compliant and seamless identity verification processes that don\u2019t affect<br \/>the payment experience.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2f7320d5 e-con-full e-flex elementor-invisible e-con e-child\" data-id=\"2f7320d5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-1d4f411c e-con-full e-flex e-con e-child\" data-id=\"1d4f411c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-151da5de elementor-widget__width-auto elementor-align-left elementor-widget elementor-widget-iteck-button\" data-id=\"151da5de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"iteck-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<a href=\"https:\/\/www.centralpay.com\/en\/contact\/\" class=\"iteck-button \">\n\t\t\t<span class=\"iteck-button-content-wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"iteck-button-text\">\n\t\t\t\t\tContact us\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"iteck-button-icon iteck-align-icon-right hover-animation-none\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2d28299e elementor-widget-mobile__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2d28299e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Response within 24 hours!<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-690a26ff elementor-align-left elementor-widget elementor-widget-iteck-button\" data-id=\"690a26ff\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"iteck-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<a href=\"https:\/\/docs.centralpay.com\/\" class=\"iteck-button \" target=\"_blank\" rel=\"noopener\">\n\t\t\t<span class=\"iteck-button-content-wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"iteck-button-text\">\n\t\t\t\t\tSee the documentation\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"iteck-button-icon iteck-align-icon-right hover-animation-none\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-658224ca e-flex e-con-boxed e-con e-parent\" data-id=\"658224ca\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2196fda1 e-con-full e-flex e-con e-child\" data-id=\"2196fda1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7eef8b76 elementor-widget elementor-widget-image\" data-id=\"7eef8b76\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"569\" height=\"585\" src=\"https:\/\/www.centralpay.com\/wp-content\/uploads\/2026\/06\/migration-de-psp-guide-complet-1.avif\" class=\"attachment-large size-large wp-image-70250\" alt=\"migration PSP : tout ce que vous devez savoir\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74a07616 e-con-full e-flex e-con e-child\" data-id=\"74a07616\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27e7e65 elementor-widget elementor-widget-heading\" data-id=\"27e7e65\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">A strict regulatory framework<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-36fa851f normal-txt elementor-widget-widescreen__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"36fa851f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Strong Customer Authentication (SCA) is a regulatory requirement stemming from the European PSD2 directive.<\/p>\n<p>It requires verifying the payer\u2019s identity using at least two independent factors from among three categories:<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-66549d2b e-con-full e-flex e-con e-child\" data-id=\"66549d2b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-34e030a7 e-con-full e-flex e-con e-child\" data-id=\"34e030a7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16592a7d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"16592a7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-462481e elementor-widget elementor-widget-text-editor\" data-id=\"462481e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><strong>What he knows<\/strong><br \/>Password, code, security question<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6c2ac63a e-con-full e-flex e-con e-child\" data-id=\"6c2ac63a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-119c2827 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"119c2827\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5880b8be elementor-widget elementor-widget-text-editor\" data-id=\"5880b8be\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What he has<br \/>Phone, connected device, card, token<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8050803 e-con-full e-flex e-con e-child\" data-id=\"8050803\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-66d5c218 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"66d5c218\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-check-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256c0 136.967-111.033 248-248 248S8 392.967 8 256 119.033 8 256 8s248 111.033 248 248zM227.314 387.314l184-184c6.248-6.248 6.248-16.379 0-22.627l-22.627-22.627c-6.248-6.249-16.379-6.249-22.628 0L216 308.118l-70.059-70.059c-6.248-6.248-16.379-6.248-22.628 0l-22.627 22.627c-6.248 6.248-6.248 16.379 0 22.627l104 104c6.249 6.249 16.379 6.249 22.628.001z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-55ba0eb8 elementor-widget elementor-widget-text-editor\" data-id=\"55ba0eb8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>What he is<br \/>Fingerprint, facial, or voice recognition<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4fb77bc2 e-flex e-con-boxed e-con e-child\" data-id=\"4fb77bc2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6934f26a e-con-full e-flex e-con e-child\" data-id=\"6934f26a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2575116d elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2575116d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4d517bc elementor-widget elementor-widget-text-editor\" data-id=\"4d517bc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>How does it work?<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6054d37f elementor-widget elementor-widget-heading\" data-id=\"6054d37f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Streamline the payment experience by assessing risk<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-23d0acfe e-con-full e-flex e-con e-child\" data-id=\"23d0acfe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-76605ab1 e-con-full e-flex e-con e-child\" data-id=\"76605ab1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-73f7b52b elementor-widget elementor-widget-text-editor\" data-id=\"73f7b52b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>3DS2 is the technical protocol that implements strong authentication for card payments.<\/p>\n<p>Compared to its predecessor, it significantly improves the user experience.<\/p>\n<p>La banque \u00e9mettrice calcule un\u00a0score de risque, gr\u00e2ce \u00e0 plusieurs donn\u00e9es qui replacent le paiement dans son contexte.<\/p>\n<p>Si le profil de transaction est jug\u00e9 peu risqu\u00e9, l&#8217;authentification se fait en arri\u00e8re-plan, sans redirection ni saisie de code : c&#8217;est le parcours frictionless. Dans le cas contraire, une \u00e9tape de v\u00e9rification suppl\u00e9mentaire est demand\u00e9e au porteur.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-36643dff e-con-full e-flex e-con e-child\" data-id=\"36643dff\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7d5d0a5d elementor-widget elementor-widget-n-accordion\" data-id=\"7d5d0a5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;default_state&quot;:&quot;all_collapsed&quot;,&quot;max_items_expended&quot;:&quot;one&quot;,&quot;n_accordion_animation_duration&quot;:{&quot;unit&quot;:&quot;ms&quot;,&quot;size&quot;:400,&quot;sizes&quot;:[]}}\" data-widget_type=\"nested-accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"e-n-accordion\" aria-label=\"Accordion. Open links with Enter or Space, close with Escape, and navigate with Arrow Keys\">\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2100\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"1\" tabindex=\"0\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2100\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Phone data <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2100\" class=\"elementor-element elementor-element-45402635 e-con-full e-flex e-con e-child\" data-id=\"45402635\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5eb7a9a5 elementor-widget elementor-widget-text-editor\" data-id=\"5eb7a9a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Among the 12 data points collected from mobile platforms are the following:<\/p>\n<ul>\n<li>The type of platform used, along with the user\u2019s IP address<\/li>\n<li>The device name and model, and the screen resolution<\/li>\n<li>The operating system and OS version are also included<\/li>\n<li>The time zone and location of the device<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2101\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"2\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2101\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Browser data <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2101\" class=\"elementor-element elementor-element-216cf71b e-con-full e-flex e-con e-child\" data-id=\"216cf71b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4869224b elementor-widget elementor-widget-text-editor\" data-id=\"4869224b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>The data captured from the customer\u2019s browser is divided into 9 categories:<\/p>\n<ul>\n<li>Accept Headers: indicate the content types (MIME) that the browser is capable of understanding<\/li>\n<li>IP Address: the IP address of the computer on which the browser is running<\/li>\n<li>Java Enabled: indicates whether Java is enabled in the browser<\/li>\n<li>Language: indicates the language used by the cardholder\u2019s browser<\/li>\n<li>Screen Color Depth: indicates the depth of the color palette used to display images on the screen<\/li>\n<li>Screen Height: indicates the total height of the cardholder\u2019s screen in pixels<\/li>\n<li>Screen Width: indicates the total width of the cardholder\u2019s screen in pixels<\/li>\n<li>Time Zone: indicates the time difference between UTC and the cardholder\u2019s local time<\/li>\n<li>User-Agent: indicates the exact content of the HTTP User-Agent header<\/li>\n<\/ul>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t\t<details id=\"e-n-accordion-item-2102\" class=\"e-n-accordion-item\" >\n\t\t\t\t<summary class=\"e-n-accordion-item-title\" data-accordion-index=\"3\" tabindex=\"-1\" aria-expanded=\"false\" aria-controls=\"e-n-accordion-item-2102\" >\n\t\t\t\t\t<span class='e-n-accordion-item-title-header'><h3 class=\"e-n-accordion-item-title-text\"> Merchant risk <\/h3><\/span>\n\t\t\t\t\t\t\t<span class='e-n-accordion-item-title-icon'>\n\t\t\t<span class='e-opened' ><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-up\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M240.971 130.524l194.343 194.343c9.373 9.373 9.373 24.569 0 33.941l-22.667 22.667c-9.357 9.357-24.522 9.375-33.901.04L224 227.495 69.255 381.516c-9.379 9.335-24.544 9.317-33.901-.04l-22.667-22.667c-9.373-9.373-9.373-24.569 0-33.941L207.03 130.525c9.372-9.373 24.568-9.373 33.941-.001z\"><\/path><\/svg><\/span>\n\t\t\t<span class='e-closed'><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-down\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M207.029 381.476L12.686 187.132c-9.373-9.373-9.373-24.569 0-33.941l22.667-22.667c9.357-9.357 24.522-9.375 33.901-.04L224 284.505l154.745-154.021c9.379-9.335 24.544-9.317 33.901.04l22.667 22.667c9.373 9.373 9.373 24.569 0 33.941L240.971 381.476c-9.373 9.372-24.569 9.372-33.942 0z\"><\/path><\/svg><\/span>\n\t\t<\/span>\n\n\t\t\t\t\t\t<\/summary>\n\t\t\t\t<div role=\"region\" aria-labelledby=\"e-n-accordion-item-2102\" class=\"elementor-element elementor-element-4769699f e-con-full e-flex e-con e-child\" data-id=\"4769699f\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d1a2a61 elementor-widget elementor-widget-text-editor\" data-id=\"6d1a2a61\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>To enrich the transaction with contextual data and minimize risk, the bank may collect and use additional information about cardholders.<\/p>\n<ul>\n<li>The \u201ccustomer account\u201d: customer data held by the merchant as part of a registered account (account age, dates of any changes made to the account, shipping address, and transaction frequency, including both successful and abandoned transactions, etc.)<\/li>\n<li>Purchases: the customer\u2019s purchasing habits, whether the products or services purchased have been ordered before (indicator of a new order for items), where the order is shipped (shipping indicator), and whether the order was purchased in advance (pre-purchase order indicator)<\/li>\n<li>Authentication of past transactions: any friction encountered during transactions (requests for additional authentication, date and time of previous attempts)<\/li>\n<\/ul>\n<p>Optional information may include supporting documentation regarding the issuer and third-party authentication (Google, Apple).<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/details>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4831b0ed e-flex e-con-boxed e-con e-parent\" data-id=\"4831b0ed\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2b30aad1 e-con-full e-flex e-con e-child\" data-id=\"2b30aad1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b9385de elementor-widget elementor-widget-heading\" data-id=\"b9385de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Some exceptions<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-708a44e elementor-widget elementor-widget-text-editor\" data-id=\"708a44e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Under certain conditions, the payer\u2019s bank may waive the requirement for systematic authentication.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-17d7aad9 e-grid e-con-full e-con e-child\" data-id=\"17d7aad9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-19eced92 e-con-full e-flex e-con e-child\" data-id=\"19eced92\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-556861de elementor-widget elementor-widget-text-editor\" data-id=\"556861de\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udcb3<\/p>\n<p>Small-amount transactions,<br \/>under 30 euros<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-509fad97 e-con-full e-flex e-con e-child\" data-id=\"509fad97\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-27d5b93a elementor-widget elementor-widget-text-editor\" data-id=\"27d5b93a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udcbc<\/p>\n<p>Payments with a corporate\/business card<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-74459d04 e-con-full e-flex e-con e-child\" data-id=\"74459d04\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-68628ab2 elementor-widget elementor-widget-text-editor\" data-id=\"68628ab2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83c\udf0d<\/p>\n<p>Transactions outside<br \/>the EEA<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-771c710a e-con-full e-flex e-con e-child\" data-id=\"771c710a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16499c7a elementor-widget elementor-widget-text-editor\" data-id=\"16499c7a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udcde<\/p>\n<p>Some MOTO transactions<br \/>(Mail Order\/Telephone Order)<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-604e5f19 e-con-full e-flex e-con e-child\" data-id=\"604e5f19\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-324e232a elementor-widget elementor-widget-text-editor\" data-id=\"324e232a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udd01<\/p>\n<p>Recurring payments<br \/>of fixed amounts<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4ad690c3 e-con-full e-flex e-con e-child\" data-id=\"4ad690c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-700b823c elementor-widget elementor-widget-text-editor\" data-id=\"700b823c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>\ud83d\udcbc<\/p>\n<p>Trusted recipients,<br \/>on the whitelist<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7b2d59dc e-flex e-con-boxed e-con e-parent\" data-id=\"7b2d59dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7dee543b e-con-full e-flex e-con e-child\" data-id=\"7dee543b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-6522c31b e-con-full e-flex e-con e-child\" data-id=\"6522c31b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4fec2b1c elementor-widget elementor-widget-heading\" data-id=\"4fec2b1c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">The strong authentication protocol with CentralPay<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e3a657b elementor-widget elementor-widget-text-editor\" data-id=\"4e3a657b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Find out how CentralPay handles 3DS for you.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-725000fe e-con-full e-flex e-con e-child\" data-id=\"725000fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ebeff2e e-con-full e-flex e-con e-child\" data-id=\"6ebeff2e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-667b6138 e-con-full e-flex e-con e-child\" data-id=\"667b6138\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-20c10eda e-con-full e-flex e-con e-child\" data-id=\"20c10eda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-30bae607 elementor-widget elementor-widget-heading\" data-id=\"30bae607\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Optimized transactions<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f63f4c4 elementor-widget elementor-widget-text-editor\" data-id=\"5f63f4c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CentralPay optimizes transaction routing to limit authentication steps to only those cases where they are necessary. A seamless experience for your customers, full compliance for your business.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7c158b7d elementor-widget elementor-widget-image\" data-id=\"7c158b7d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"520\" height=\"285\" src=\"https:\/\/www.centralpay.com\/wp-content\/uploads\/2026\/06\/transactions-optimisees.avif\" class=\"attachment-large size-large wp-image-70252\" alt=\"illustration authentification forte banque\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-43b21b15 e-con-full e-flex e-con e-child\" data-id=\"43b21b15\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t<div class=\"elementor-element elementor-element-7e0ed777 e-con-full e-flex e-con e-child\" data-id=\"7e0ed777\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-33e9b849 e-con-full e-flex e-con e-child\" data-id=\"33e9b849\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7095e9d7 elementor-widget elementor-widget-heading\" data-id=\"7095e9d7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Native integration<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-10a7ab00 elementor-widget elementor-widget-text-editor\" data-id=\"10a7ab00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>CentralPay supports the 3DS protocol (exemption management, communication with card issuers, etc.) without requiring any additional development on your part.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-122fdfc2 elementor-widget elementor-widget-image\" data-id=\"122fdfc2\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"520\" height=\"285\" src=\"https:\/\/www.centralpay.com\/wp-content\/uploads\/2026\/06\/paiement-tokenisation.avif\" class=\"attachment-large size-large wp-image-70254\" alt=\"illustration formulaire de paiement centralpay\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1a6ffcc0 e-flex e-con-boxed e-con e-parent\" data-id=\"1a6ffcc0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-523186bc e-con-full e-flex e-con e-child\" data-id=\"523186bc\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2626dce7 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"2626dce7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-circle\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M256 8C119 8 8 119 8 256s111 248 248 248 248-111 248-248S393 8 256 8z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-584d7fb5 elementor-widget elementor-widget-text-editor\" data-id=\"584d7fb5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>FAQ<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14a331c4 elementor-widget elementor-widget-heading\" data-id=\"14a331c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Any questions about strong authentication?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-525ed8dd elementor-widget__width-initial elementor-widget elementor-widget-iteck-toggle\" data-id=\"525ed8dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"iteck-toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"iteck-toggle\" id=\"iteck-toggle-6a8bcafbac1ae\">\n\n                            <div class=\"accordion-item\">\n\t\t\t\t\t<div class=\"accordion-header\" id=\"heading-682581f\">\n\t\t\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n\t\t\t\t\t\t\tdata-bs-target=\"#collapse-682581f\" aria-expanded=\"false\"\n\t\t\t\t\t\t\taria-controls=\"collapse-682581f\">\n\t\t\t\t\t\t\tWhat regulations govern the 3DS protocol?\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"collapse-682581f\" class=\"accordion-collapse collapse \"\n\t\t\t\t\t\taria-labelledby=\"heading-682581f\" data-bs-parent=\"#iteck-toggle-6a8bcafbac1ae\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>3D Secure 2.0 meets the authentication requirements defined by the Regulatory Technical Standards (RTS) published by the European Banking Authority (EBA) and approved in 2018. <\/p><p>In 2019, as part of the Payment Services Directive 2 (PSD2), the European Parliament made Strong Customer Authentication (SCA) mandatory in order to limit the risk of fraud.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n                                <div class=\"accordion-item\">\n\t\t\t\t\t<div class=\"accordion-header\" id=\"heading-cea27a1\">\n\t\t\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n\t\t\t\t\t\t\tdata-bs-target=\"#collapse-cea27a1\" aria-expanded=\"false\"\n\t\t\t\t\t\t\taria-controls=\"collapse-cea27a1\">\n\t\t\t\t\t\t\tHow does 3D Secure 2.0 differ from its previous version?\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"collapse-cea27a1\" class=\"accordion-collapse collapse \"\n\t\t\t\t\t\taria-labelledby=\"heading-cea27a1\" data-bs-parent=\"#iteck-toggle-6a8bcafbac1ae\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>An evolution of the 3D Secure protocol, version 2.0 offers new benefits:<\/p><ul role=\"list\"><li>Data-oriented: It uses a smarter approach, collecting more data about the transaction to assess the level of risk and determine whether authentication is necessary. <\/li><li>Improved user experience: To reduce friction and avoid compromising the user experience, 3D Secure 2.0 integrates strong authentication more seamlessly into the payment process. <\/li><li>Enhanced security: With more advanced authentication and analysis methods, 3D Secure 2.0 enables more accurate identification of fraudulent transactions while reducing false positives. <\/li><li>Multi-device support: Unlike its first version, 3D Secure 2.0 is now supported on a wide variety of devices, offering a more seamless authentication experience across all platforms, including smartphones and tablets.<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n                                <div class=\"accordion-item\">\n\t\t\t\t\t<div class=\"accordion-header\" id=\"heading-2b78158\">\n\t\t\t\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\"\n\t\t\t\t\t\t\tdata-bs-target=\"#collapse-2b78158\" aria-expanded=\"false\"\n\t\t\t\t\t\t\taria-controls=\"collapse-2b78158\">\n\t\t\t\t\t\t\tCan I disable strong authentication?\t\t\t\t\t\t<\/button>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t<div id=\"collapse-2b78158\" class=\"accordion-collapse collapse \"\n\t\t\t\t\t\taria-labelledby=\"heading-2b78158\" data-bs-parent=\"#iteck-toggle-6a8bcafbac1ae\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>No. The protocol is designed to add an extra layer of security to online payments and protects both e-merchants and consumers by reducing the risk of credit card fraud.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n                \t\t\t\n\n        <\/div>\n\n\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b0c6ef8 e-con-full e-flex e-con e-parent\" data-id=\"6b0c6ef8\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-5e095113 e-con-full animated-slow e-flex elementor-invisible e-con e-child\" data-id=\"5e095113\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;animation&quot;:&quot;fadeInUp&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e1e71dc elementor-widget elementor-widget-heading\" data-id=\"3e1e71dc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Do you have a project?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a8d144b elementor-widget elementor-widget-text-editor\" data-id=\"4a8d144b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Our teams analyze your architecture and provide you with a compliant, ready-to-deploy solution.<\/p>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e2ab543 e-con-full e-flex e-con e-child\" data-id=\"4e2ab543\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1bfeef06 elementor-align-left elementor-widget elementor-widget-iteck-button\" data-id=\"1bfeef06\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_widescreen&quot;:&quot;none&quot;}\" data-widget_type=\"iteck-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<a href=\"https:\/\/www.centralpay.com\/en\/contact\/\" class=\"iteck-button \">\n\t\t\t<span class=\"iteck-button-content-wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"iteck-button-text\">\n\t\t\t\t\tContact our team\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"iteck-button-icon iteck-align-icon-right hover-animation-none\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-42d7581a elementor-align-left elementor-widget elementor-widget-iteck-button\" data-id=\"42d7581a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation_widescreen&quot;:&quot;none&quot;}\" data-widget_type=\"iteck-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\n\t\t<a href=\"https:\/\/docs.centralpay.com\/\" target=\"_blank\" class=\"iteck-button \" rel=\"noopener\">\n\t\t\t<span class=\"iteck-button-content-wrapper\">\n\t\t\t\t\t\t\t\t<span class=\"iteck-button-text\">\n\t\t\t\t\tSee the documentation\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"iteck-button-icon iteck-align-icon-right hover-animation-none\">\n\t\t\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg>\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<\/span>\n\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Next-generationstrong authentication Take advantage of compliant and seamless identity verification processes that don\u2019t affectthe payment experience. Contact us Response within 24 hours! See the documentation A strict regulatory framework Strong Customer Authentication (SCA) is a regulatory requirement stemming from the European PSD2 directive. It requires verifying the payer\u2019s identity using at least two independent factors from among three categories: What &hellip;<\/p>\n","protected":false},"author":1,"featured_media":19634,"parent":20012,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-20021","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/pages\/20021","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/comments?post=20021"}],"version-history":[{"count":4,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/pages\/20021\/revisions"}],"predecessor-version":[{"id":73180,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/pages\/20021\/revisions\/73180"}],"up":[{"embeddable":true,"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/pages\/20012"}],"wp:attachment":[{"href":"https:\/\/www.centralpay.com\/en\/wp-json\/wp\/v2\/media?parent=20021"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}