Get the power of layered security
To help protect Discover® Card transactions from online fraud, Discover offers three easy-to-deploy solutions designed to be used in a layered approach. From pre-authorization to post-fulfillment, your business and customers are protected.
Benefits of 3DS security during a transaction
3DS creates a secure pipeline across the three parties, which validate a consumer’s identity. Benefits include:
Helps reduce fraud online
Verifies transactions with risk-based analytics to help stop fraud before it happens.
Gain business insights
Issuers gain greater visibility into cardholder activity to help spot consumer trends.
Provides peace of mind
Confirms the cardholder’s identity to help mitigate fraud and reduce chargebacks.
More secure, seamless checkout
Only prompts cardholders when there is a likelihood of fraud and may reduce shopping cart abandonment.
Simplified 3DS implementation for international issuers
Because liability shifts to issuers, international issuing partners have the option to purchase a packaged Access Control Server (ACS) and Risk Engine (an issuer requirement for 3DS) directly from Diners Club International® with significantly lower fees and effort.
Confidently approve Discover card transactions with Verify+
Verify+ allows U.S. businesses to validate customer information directly against Discover cardholder data at time of the transaction. Verify+ quickly pinpoints high-risk transactions to help you make more informed transaction approvals, without disrupting the customer experience.
Standard Verify+ is a web-based platform. You can access an API connection with Premium.
How Verify+ works during a transaction
- Enter customer information into Verify+.
- Receive a “Correct” or “Incorrect” validation on customer name, billing address, email and phone number.
- Use Verify+ results to approve or decline transactions.
Help prevent chargebacks with timely Fraud Alerts
U.S. businesses can take advantage of Fraud Alerts to receive an earlier warning of fraudulent transactions allowing you to take quick action. Get immediate notification of fraudulent activity and access transaction details to stop order fulfillment, cancel shipments or return purchases from shippers.
Fraud Alerts Standard is a free, web-based platform. Premium is available with near real-time notifications, customized reporting and seamless integration via an API connection.