At Firstoken, our mission has always been clear: to secure the future of payments with advanced solutions that provide maximum protection without implementation headaches. Today, we're proud to introduce Firstoken 3-D Secure – our latest innovation designed specifically for Payment Service Providers (PSPs) who need robust security with minimal complexity.

Meeting Today's Market Demands

Over the past year, we've witnessed exactly these challenges challenging payments that confront and implementing needs, alongside growing demands. Therefore, we've taken on both challenges. Today, PSPs can meet their 3DS - the most user-friendly 3DS implementation on the market with unprecedented optimization capabilities.

  • Too complex and resource-intensive
  • Disruptive to existing payment flows
  • Lengthy to deploy and difficult to maintain

In collaboration with our partners VISA and Cybersource, we've completely reimagined this process from the ground up. The result is a solution that integrates seamlessly with our tokenization products while remaining versatile enough for any PSP to adopt – even those not currently using Firstoken's merchant tokenization.

A Customer-Centered Approach

We approached this challenge from three critical perspectives:

  • Technical feasibility – How to create a solution that meets the highest security standards
  • PSP operations – How to minimize implementation burdens and resource requirements
  • End-user experience – How to ensure smooth, frictionless interactions for consumers

This comprehensive view revealed numerous opportunities to enhance this critical payment security component, resulting in dramatically faster implementation times and superior end-user experiences

The Firstoken Difference: Flexibility, Agnosticism, Universality

Our solution delivers a truly flexible, processor-agnostic, and universal API designed for effortless integration. Key features include:

  • Complete brand coverage – Authentication and validation for all major card brands including VISA, MasterCard, and American Express
  • Processor independence – Works with any processor your PSP currently uses
  • Streamlined integration – Clear documentation, flexible tools, and robust technical support
  • Rapid deployment – Meet mandatory security requirements in days, not months

Immediate and Significant Benefits of Firstoken 3-D Secure

Direct Chargeback Protection: Clearly shifting liability for fraudulent chargebacks from merchants and PSPs to card issuers, protecting financial health.

Advanced Fraud Reduction: Utilizing advanced authentication methods, including frictionless flow technology of the 3-D Secure 2.0 standard, maintaining optimal conversion rates without compromising security.

Universal Compatibility: A solution that easily integrates with major card brands and works seamlessly with any payment processor.

Technical Innovations Behind Firstoken

Purpose-Built Security Architecture

Our new 3-D Secure solution is built upon specialized security frameworks, optimized specifically for PSP environments and their unique transactional needs. It ensures interoperability with multiple processors, providing critical transactional data such as the Electronic Commerce Indicator (ECI) needed for authenticated transactions.

Advanced Integration Techniques

We've significantly enhanced our integration processes, employing methodologies that enable PSPs to integrate more quickly than with other market solutions. We created realistic use cases reflecting PSP operational workflows.

Superior Security with Merchant Token

Our advanced tokenization products and PCI DSS scope reduction models, such as Databye, integrate seamlessly with our new solution, enabling PSPs to authenticate and validate payment transactions using permanent or temporary tokens from Firstoken without handling sensitive card data.

These advancements mark significant progress in payment security, combining innovative technology with practical improvements designed to optimize performance and ease of use in high-stakes transactional environments.

API Availability

Firstoken 3-D Secure is now available to all PSPs. Our comprehensive API and clear documentation make it easy to integrate into any payment environment. For PSPs already using our tokenization solutions, adding 3-D Secure provides an immediate enhancement to their security and compliance capabilities using secure tokens throughout the process. Even for PSPs not currently using our tokenization services, our API delivers substantial benefits in terms of time, effort, and user experience. Additionally, we are releasing customized integration guides to further simplify this development process.

What's Next

Looking to the future, we see endless opportunities for improvement. We have set a roadmap starting with this initial release aimed at simplifying this technology even further, primarily by reducing the number of processes and API calls required. We're also planning to introduce proprietary SDKs for browser data collection and interaction with messaging mechanisms, providing developers with modern, easy-to-use tools that accelerate integration even further and offload operational processes increasingly onto Firstoken. We're exploring additional customizations to allow PSPs to create even more personalized payment experiences aligned with evolving security standards. Furthermore, we are actively collaborating with industry leaders, regulators, and PSPs to identify new opportunities and challenges in payment security. We are excited to see how PSPs leverage these new capabilities to build innovative and secure transactional experiences.

We invite you to experience the simplicity and power of Firstoken 3-D Secure. Connect directly with your dedicated account manager, explore our new documentation, and discover how we’ve transformed a regulatory challenge into a powerful business opportunity.