EMV 3D-Secure: a more secure, rapid and better e-commerce user experience

EMV 3D-Secure is an international security protocol to make e-commerce a better and safer experience for the consumer. So let’s get a better understanding about EMV 3D-Secure and what its main benefits are!

The global pandemic and risk of in-person transactions caused e-commerce sales to grow worldwide. According to a survey by Neotrust, in 2020 more than 10 million Latin American customers made their first digital purchase. In Brazil, e-commerce experienced 57.4% growth in the first quarter of 2021 compared to the same period the prior year. With the growth of e-commerce, the need to offer a more secure, better experience for online shopping also emerged.

What is EMV 3D-Secure?

3D-Secure is a security protocol used by the main card brands created by the global technical staff EMVCo (Europay, MasterCard and Visa). The term “3D” refers to the three domains that communicate during a transaction: card issuer, merchant, and cardholder. Exchanging data between these three players can increase authorization approval rates, reduce fraud and provide a better shopping experience for the cardholder.

White Label Digital Wallets – What is it and what are the main benefits?

EMV 3D 2.2.0 – What’s the difference versus prior versions?

In 2001, the 3D-Secure 1.0 protocol was implemented to provide better authentication for cardholders who make purchases over the internet. In 2016, the protocol was revised and 3D-Secure 2.0 emerged with the goal of providing a better user experience. The version introduced risk-based authentication, removing much of the friction that existed in the previous versions. Also, version 2.0 can support all types of mobile devices, not just desktop browsers. In 2018, the protocol moved to version 3DS 2.2.0 to offer even more features: Decoupled Authentication: allows the cardholder to be authenticated even if he is not interacting directly with the commercial establishment, for example, in the automatic renewal of subscriptions. Allowable List: allows the merchant to be included in a database so that, when the cardholder returns to the merchant, this is recognized in the risk analysis.

What are the main benefits of EMV 3D-Secure?

Overall, the EMV 3D-Secure protocol offers significant benefits: – increased e-commerce security; – increase in authorization fees; – reduction of card not present fraud (CNP); – reduced friction in the customer’s checkout experience; – available for different digital platforms and channels; – protects merchants from exposure to fraud-related chargebacks.

Key benefits for card issuers: – risk-based authentication: more and better data involved in the decision-making process, generating less fraud in Card Not Present transactions; – more approved transactions; – increased consumer confidence.

Key benefits for merchants: – reduce purchase abandonment; – frictionless checkout; – reduced false declines.

Key benefits for customers: – Improved user experience/checkout; – easier authentication; – more confidence in every transaction.

To learn more about our EMV 3D-Secure solution:
e-commerce security



White Label Digital Wallets – What is it and what are the main benefits?

What are digital wallets and digital wallet white label?

A digital wallet is an electronic service that allows you to pay for goods and services through mobile devices, such as cellphones and wearables.  Payment details are stored in the wallet as a token.  In addition to paying for items in a contactless, more secure manner, digital wallets also allow you to store sensitive information; items such as cards and gift cards can be securely stored in a digital wallet.    


The difference between OEM wallet and white label wallet

  • OEM wallet – OEM Original Equipment Manufacturer.

These wallets are the mobile payment applications developed and offered by the device manufacturer, such as Samsung Pay, Google Pay and Apple Pay. This allows users to add cards from multiple issuers to the wallet application.  This app is not customizable.

  • White Label Wallet – these solutions enable financial institutions and issuers to customize their own branded wallet with the “look and feel” that their customers are used to seeing.  They have the same functionalities of OEM wallets such as payment capabilities and storage capacity.  White label wallets tend to be device agnostic, viable for both Android and iOS devices.  An additional benefit for the issuers and financial institution  white label wallets are the ability to strengthen your relationship with clients and provide payments solutions to everyday problems.


Digital wallets can store credit and debit card information a allowing payments directly from the card.  Other functionalities that digital wallets offer are: Peer-to-Peer (P2P) payments, online payments, hold funds, store ID cards, storage for transit tickets such as trains, buses or boarding passes and security.  All wallets have security features and technology that protect sensitive data and keep it safe.


How do digital wallets work?

Digital wallets can be downloaded through a digital wallet app provided by your bank, onto your smartphone.  Once you have the app downloaded, you typically enter the credit or debit card info into the wallet.  The wallet will automatically contact the issuing card network and get a token.  The token will stand in place of your card number so that your data will be secure and the token will be saved on your device.  


When paying at a store with your mobile device, digital wallets will use the NFC chip stored in it.  By hovering over the POS terminal, the payment app is activated and payment can be made quickly, easily and without any contact.  Other payment methods can include QR or bar codes to send payment information.  


Benefits of using digital wallets

Digital wallet usage was increasing before the pandemic but now, usage has skyrocketed all over the globe due to the contactless convenience.  If you need to make a purchase in a store, payment can be made without touching a credit card terminal.

Payment Security

credit card fraud is a lingering concern and data security is a major concern.  Digital wallets have multiple layers of security to keep your data secure and protected, these include:

  1. Passcode to access the wallet;
  2. Encrypted transmission to transmit data from your phone to the server;
  3. Tokenization technology replaces your real credit/debit card number with a token stored on your phone.  If a token is stolen, the credit card issuer simply reissues another token and disables the stolen token.
  • Contactless Convenience –

    no touch payments are possible with a digital wallet as well as faster checkout, with just a few taps.  A big, bulky wallet is no longer necessary to run to the store and receipts can be stored on the app to help you stay organized.


HST Pay – Complete payment platform

HST Pay is a comprehensive payment platform which offers a mobile wallet for brands and/or private label. It includes all application modules related to tokenization. We are a certified Visa Token Service Provider (TSP). The solution allows for easy management of: users, cards, tokens and reports for wallets and cards.

Card Tokenization – know the main benefits

See the benefits of HST Pay:

  • Options for regular and quick pay;
  • Customizable to your own specifications/branding;
  • Greater spending control;
  • We provide infrastructure to digitize multiple credit card companies and private label cards;
  • Biometric Secure Access;
  • Cost effective White label option available;
  • Supports a variety of ID&V methods *

ID&V – *Identification and Verification. Before tokens are associated with a device, the cardholder must go through an identity verification process.

White Label Digital Wallet – The future of your financial institution payment

During the global pandemic, consumers tried new forms of payments for the first time with many of them embracing digital wallets.  For many consumers, digital wallets have become a preferred method of payment and they will likely continue using them long after the pandemic has ended.  According to the Global Digital Payments Insights by Blackhawk Network*, 59% of Mexicans and 62% of Brazilians surveyed, used a digital wallet in 2020.

The 2021 Global Payments Report by Worldpay** surveyed consumers across 41 countries and found that in 2020, due to the pandemic, the lockdown accelerated the shift to digital payments.  Globally, the use of mobile wallets exceeded cash usage for in-store payments.  In Latin America, mobile wallets accounted for 6% of payment methods.  Forecasts for both in-store and eCommerce transactions indicate that digital wallets are likely to be the preferred method of payment.

Both the Blackhawk Network and Worldpay surveys seem to indicate that the pandemic has ushered in an age of cashless payments, the potential is great for retailers offering digital payment options as well as providers connected to the digital payment ecosystem.  So, the future of payments is definitely Digital Wallets!


Paraguay Segundo país de Latinoamérica en ofrecer pagos digitales a través del smartphone por medio de VISA

A partir de la fecha, Visa y la Red Infonet habilitan el ecosistema para que los bancos en Paraguay puedan ofrecer a sus clientes billeteras digitales con sus marcas.

Este gran paso se oficializó en un evento de lanzamiento con la presencia de Beltrán Macchi, Presidente de Bancard; y Gabriela Renaudo, Country Manager de Visa Cono Sur, en compañía del Presidente del Banco Central del Paraguay (BCP), José Cantero y la Ministra de Industria y Comercio, Liz Cramer.

Este nuevo e innovador sistema busca transformar los smartphone en billeteras digitales, abriendo la posibilidad de realizar las compras diarias, en grandes y pequeños establecimientos que cuenten con POS de la Red Infonet certificados para operaciones contactless, de manera rápida, fácil y segura, pagando directamente con su smartphone, sin necesidad de sacar la tarjeta de su billetera.

Con la adopción de la tecnología contactless (pagos sin contacto) comenzó la innovación para dar paso a la digitalización de los pagos en Paraguay. Se trata de una tecnología con una interface sin contacto, que permite pagar con tan solo acercar la tarjeta o la billetera digital en el smartphone al dispositivo POS, lo que genera una experiencia de pagos muy conveniente y segura, además de agilizar las ventas en los comercios.

La tecnología de pago a través de los smartphones, posibilita que los mismos se comuniquen con los POS de la Red Infonet certificados con dicha tecnología sólo con acercarlos. El smartphone se convierte en un medio de pago ya que cuenta con la billetera de cada entidad financiera y dentro de dicha aplicación se encuentran vinculadas las tarjetas de débito y crédito que tiene el usuario, facilitando el pago y haciéndolo más eficiente.

Estas billeteras digitales, bajo los estándares de seguridad de Visa, hacen que los consumidores encuentren una experiencia de compra ágil y sencilla mientras que los comercios abren la ventana a nuevas opciones de pago con una alta seguridad similar a las tarjetas Chip y contactless.

Esto permite, a través de una cuenta digital o “token”, sustituir los datos reales de la tarjeta para no exponerlos en el dispositivo. Los Tokens de Visa, proporcionan digitalización sin fricción para los emisores y seguridad de clase mundial para los consumidores. Además, cada transacción de Visa está protegida por múltiples capas de seguridad.

“Estamos orgullosos de poder traer a Paraguay, junto a Bancard, la tecnología de pagos sin contacto. De esta manera, impulsamos la innovación de pagos electrónicos y digitales, ofreciendo a consumidores y comercios una forma rápida, segura y conveniente de realizar y recibir pagos”, resaltó Gabriela Renaudo, Country Manager de Visa Cono Sur.

Los consumidores buscan en todo momento una experiencia de compra con facilidad y sin problemas. Además, para los comercios las ventajas de la digitalización en los negocios, se reditúa en el aumento de las ventas, porque permite ofrecer a los consumidores nuevas opciones de pagos.

Visa junto con HST Software Solutions desarrollaron esta billetera de marca blanca que permite que los bancos emisores puedan personalizarlas con sus marcas. Los bancos en América Latina ya están aprovechando las billeteras digitales Visa de marca blanca.


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