{"id":13727,"date":"2023-05-31T11:31:42","date_gmt":"2023-05-31T09:31:12","guid":{"rendered":"https:\/\/test.centralpay.eu\/3d-secure-2-0\/"},"modified":"2026-06-26T08:53:47","modified_gmt":"2026-06-26T06:53:47","slug":"authentification-forte","status":"publish","type":"page","link":"https:\/\/www.centralpay.com\/fr\/centre-de-securite\/authentification-forte\/","title":{"rendered":"Protocole d&#8217;authentification forte"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"13727\" class=\"elementor 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\">L\u2019authentification forte<br><span style=\"font-weight:400\">derni\u00e8re g\u00e9n\u00e9ration<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>B\u00e9n\u00e9ficiez de protocole de v\u00e9rification d\u2019identit\u00e9 conformes et fluides, sans impact <br \/>sur l\u2019exp\u00e9rience de paiement.<\/p>\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\/fr\/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\tNous contacter\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\">R\u00e9ponse en 24h ouvr\u00e9es !<\/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\tVoir la 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-70249\" alt=\"\" \/>\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\">Un cadre r\u00e9glementaire strict<\/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>L&#8217;authentification forte (SCA \u2013 Strong Customer Authentication) est une exigence r\u00e9glementaire issue de la directive europ\u00e9enne DSP2.<br \/><br \/>Elle impose de v\u00e9rifier l&#8217;identit\u00e9 du payeur \u00e0 l&#8217;aide d&#8217;au moins deux facteurs ind\u00e9pendants parmi trois cat\u00e9gories :<\/p>\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>Ce qu\u2019il sait<\/strong><br \/>Mot de passe, code, question secr\u00e8te<\/p>\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><strong>Ce qu\u2019il poss\u00e8de<\/strong><br \/>T\u00e9l\u00e9phone, appareil connect\u00e9, carte, token<\/p>\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><strong>Ce qu\u2019il est<\/strong><br \/>Empreinte digitale, reconnaissance faciale ou vocale<\/p>\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>Comment \u00e7a marche ?<\/p>\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\">Fluidifier l\u2019exp\u00e9rience de paiement, en \u00e9valuant le risque<\/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 est le protocole technique qui met en \u0153uvre l&#8217;authentification forte sur les paiements par carte.<br \/><br \/><br \/>Par rapport \u00e0 son pr\u00e9d\u00e9cesseur, il am\u00e9liore significativement l&#8217;exp\u00e9rience utilisateur.<br \/><br \/><br \/>La banque \u00e9mettrice calcule un\u00a0score de risque, gr\u00e2ce \u00e0 plusieurs donn\u00e9es qui replacent le paiement dans son contexte.<br \/><br \/><br \/>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>\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\"> Donn\u00e9es du t\u00e9l\u00e9phone <\/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>Parmi les 12 donn\u00e9es collect\u00e9es sur les plateformes mobiles, on retrouve notamment\u00a0:<\/p><ul role=\"list\"><li>Le type de plateforme utilis\u00e9e avec l\u2019adresse IP du porteur<\/li><li>Le nom et le mod\u00e8le du p\u00e9riph\u00e9rique, la r\u00e9solution de l\u2019\u00e9cran<\/li><li>Le syst\u00e8me d\u2019exploitation ainsi que la version d\u2019OS est \u00e9galement inclus<\/li><li>Le fuseau horaire et la position de l\u2019appareil<\/li><\/ul>\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\"> Donn\u00e9es du navigateur <\/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>Les donn\u00e9es captur\u00e9es depuis le navigateur du client sont r\u00e9parties en 9 cat\u00e9gories :<\/p><ul role=\"list\"><li>Accept Headers (en-t\u00eates) :\u00a0indiquent les types de contenu (MIME) que le navigateur est capable de comprendre.<\/li><li>Adresse IP :\u00a0l\u2019adresse IP du PC sur lequel le navigateur est en cours d\u2019ex\u00e9cution.<\/li><li>Java Enabled :\u00a0indique si le navigateur est activ\u00e9 Java<\/li><li>Language :\u00a0indique la langue utilis\u00e9e par le navigateur du d\u00e9tenteur de la carte.<\/li><li>Screen Colour Depth :\u00a0indique la profondeur de la palette de couleurs utilis\u00e9e pour l\u2019affichage des images \u00e0 l\u2019\u00e9cran.<\/li><li>Screen Height :\u00a0indique la hauteur totale de l\u2019\u00e9cran du d\u00e9tenteur en pixels<\/li><li>Screen Width :\u00a0indique la largeur totale de l\u2019\u00e9cran du d\u00e9tenteur de carte en pixels.<\/li><li>Time Zone :\u00a0indique la diff\u00e9rence de temps entre l\u2019UTC et l\u2019heure locale du d\u00e9tenteur de la carte.<\/li><li>User-Agent :\u00a0indique le contenu exact de l\u2019en-t\u00eate HTTP User-agent.<\/li><\/ul>\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\"> Risque marchand <\/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>Afin d\u2019enrichir la transaction de donn\u00e9es contextuelles et de minimiser le risque, la banque a la possibilit\u00e9 de collecter et d\u2019utiliser des informations suppl\u00e9mentaires sur les titulaires de carte.\u2028<\/p><ul role=\"list\"><li>Le \u00ab\u00a0compte client\u00a0\u00bb\u00a0: les donn\u00e9es du client d\u00e9tenues par le commer\u00e7ant dans le cadre d\u2019un compte enregistr\u00e9 (\u00e2ge du compte, dates de toute modification apport\u00e9e au compte, adresse de livraison et fr\u00e9quence des transactions, y compris les transactions r\u00e9ussies et abandonn\u00e9es\u2026).<\/li><li>Les achats\u00a0: habitudes d\u2019achat du client, si les produits ou les services achet\u00e9s ont \u00e9t\u00e9 command\u00e9s auparavant (indicateur de nouvelle commande d\u2019articles), lieu o\u00f9 la commande est exp\u00e9di\u00e9e (indicateur d\u2019exp\u00e9dition) et si la commande est achet\u00e9e en amont (indicateur de commande pr\u00e9-achat).<\/li><li>L\u2019authentification des transactions pass\u00e9es\u00a0: \u00e9ventuelles frictions durant les transactions (demande d\u2019authentification suppl\u00e9mentaire, date et heure des tentatives pr\u00e9c\u00e9dentes).<\/li><\/ul><p><br \/>L\u2019information optionnelle peut inclure des justificatifs concernant l\u2019\u00e9metteur et l\u2019authentification de tiers, (Google, Apple).<\/p>\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\">Quelques cas d\u2019exemption<\/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>Sous certaines conditions, la banque du payeur peut lever l\u2019obligation d\u2019authentification syst\u00e9matique.<\/p>\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><p>Des transactions de faible<br \/>montant, inf\u00e9rieures \u00e0 30 euros<\/p>\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><p>Des paiements avec carte d\u2019affaires (corporate \/ business)<\/p>\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><p>Des transactions ext\u00e9rieures<br \/>\u00e0 l\u2019EEE<\/p>\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><p>Certaines transactions MOTO<br \/>(Mail Order\/Telephone Order)<\/p>\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><p>Des paiements r\u00e9currents<br \/>de montants fixes<\/p>\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><p>B\u00e9n\u00e9ficiaires de confiance, <br \/>inscrits sur liste blanche<\/p>\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\">Le protocole d\u2019authentification forte avec 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>D\u00e9couvrez comment CentralPay g\u00e8re le 3DS pour vous.<\/p>\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\">Transactions optimis\u00e9es<\/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 optimise le routage des transactions pour limiter les \u00e9tapes d&#8217;authentification aux seuls cas o\u00f9 elles sont n\u00e9cessaires. Un parcours fluide pour vos clients, une conformit\u00e9 totale pour votre activit\u00e9.<\/p>\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-70251\" alt=\"\" \/>\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\">Int\u00e9gration native<\/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 prend en charge le protocole 3DS (gestion des exemptions, communication avec les \u00e9metteurs de cartes&#8230;) sans d\u00e9veloppement suppl\u00e9mentaire de votre c\u00f4t\u00e9.<\/p>\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-70253\" alt=\"\" \/>\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>\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\">Des questions sur l\u2019authentification forte ?<\/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-6a4d78656f792\">\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\tQuelle r\u00e9gulation encadre le protocole 3DS ?\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-6a4d78656f792\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>Le 3D Secure 2.0 r\u00e9pond aux exigences d\u2019authentification d\u00e9finies par les normes techniques de la r\u00e9glementation (Regulatory Technical Standards \u2013 RTS) publi\u00e9es par l\u2019Autorit\u00e9 Bancaire Europ\u00e9enne (ABE) et approuv\u00e9es en 2018.<\/p><p>En 2019, dans le cadre de la Directive des Services de Paiement n\u00b02 (DSP2), le Parlement Europ\u00e9en a rendu obligatoire l\u2019authentification forte (Strong Customer Authentication \u2013 SCA) afin de limiter les risques de fraude.<\/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\tEn quoi le 3D Secure 2.0 diff\u00e8re-t-il de sa version pr\u00e9c\u00e9dente ?\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-6a4d78656f792\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>\u00c9volution du protocole s\u00e9curis\u00e9 3D Secure, la version 2.0 offre de nouveaux avantages\u00a0:<\/p><ul role=\"list\"><li>Data oriented\u00a0: Il utilise une approche plus intelligente, en recueillant davantage de donn\u00e9es sur la transaction pour \u00e9valuer le niveau de risque et d\u00e9terminer si une authentification est n\u00e9cessaire.<\/li><li>Exp\u00e9rience utilisateur am\u00e9lior\u00e9e\u00a0: Afin de r\u00e9duire les frictions et ne pas endommager l\u2019exp\u00e9rience utilisateur, le 3D Secure 2.0 incorpore l\u2019authentification forte de mani\u00e8re plus fluide dans le processus de paiement.<\/li><li>S\u00e9curit\u00e9 renforc\u00e9e\u00a0: Avec des m\u00e9thodes d\u2019authentification et d\u2019analyse plus avanc\u00e9es, le 3D Secure 2.0 permet l\u2019identification plus pr\u00e9cise des transactions frauduleuses, tout en r\u00e9duisant les faux positifs.<\/li><li>Multi-appareils\u00a0: Contrairement \u00e0 sa premi\u00e8re version, le 3D Secure 2.0 est maintenant pris en charge sur une large vari\u00e9t\u00e9 d\u2019appareils, offrant une authentification plus fluide sur tous les supports, y compris les smartphones et les tablettes.<\/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\tPuis-je d\u00e9sactiver l\u2019authentification forte ?\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-6a4d78656f792\">\n\t\t\t\t\t\t<div class=\"accordion-body\">\n\t\t\t\t\t\t\t<p>Non. Le protocole est con\u00e7u pour ajouter une couche de s\u00e9curit\u00e9 suppl\u00e9mentaire aux paiements en ligne et prot\u00e8ge \u00e0 la fois les e-commer\u00e7ants et les consommateurs, en r\u00e9duisant les risques de fraude li\u00e9e \u00e0 l\u2019utilisation de cartes bancaires.<\/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\">Vous avez un projet ?<\/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>Nos \u00e9quipes \u00e9tudient votre architecture et vous proposent une solution conforme, pr\u00eate \u00e0 d\u00e9ployer.<\/p>\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\/fr\/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\tContacter nos \u00e9quipes\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\tVoir la documentation\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span 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