3D Secure is an interbank protocol that provides a high level of security for online payments.
In 2019, CB developed its own service for securing card payments called “FAST'R by CB”.
It acts as a Directory Server for strong cardholder authentication, but also as an anti-fraud tool thanks to an authentication scoring system and merchant risk management.
When a transaction is processed by the CB network, the “ CB Paiement sécurisé ” logo reassures the buyer that the payment is secure and that it is processed in France.
The second Payment Services Directive (or PSD2) requires strong authentication for payments when the buyer is present at the time of purchase, but also provides for cases where interaction with the buyer (challenge) is not mandatory. To qualify for frictionless authentication, the payment must be eligible for an exemption.