Gpayments

In today's digital commerce landscape, Card-Not-Present (CNP) transactions have become the norm. From online shopping to mobile payments, customers expect seamless digital experiences. However, this convenience also brings increased risk. CNP fraud continues to rise, making Card-Not-Present (CNP) security a top priority for businesses. At GPayments , we understand the complexities and threats associated with CNP transactions. In this guide, we'll explore the top strategies for strengthening your CNP security, minimizing fraud, and building trust with your customers.   What Is a Card-Not-Present (CNP) Transaction? A Card-Not-Present (CNP) transaction occurs when the physical card is not presented to the merchant during the transaction. This typically happens in: Online purchases Mobile app payments Phone orders Recurring billing subscriptions Because the card isn't physically swiped or inserted, CNP transactions are more vulnerable to fraud than ...

Online payment security has become a growing concern as digital transactions continue to surge worldwide. With cyber threats increasing and consumer trust hanging in the balance, businesses must adopt robust, user-friendly fraud prevention tools. Enter EMV 3D Secure 2 —a next-generation authentication protocol designed to enhance security without sacrificing user experience. In this comprehensive guide, we explore what EMV 3D Secure 2 is, how it works, why it matters, and how your business can benefit from integrating it today.   What is EMV 3D Secure 2? EMV 3D Secure 2 (3DS2) is an advanced version of the original 3D Secure protocol, developed by EMVCo—a consortium of major global payment schemes including Visa, Mastercard, American Express, Discover, JCB, and UnionPay. Its core purpose is to add an extra layer of authentication for card-not-present (CNP) transactions, such as online or in-app purchases. While the original 3D Secure protocol (3DS1) introduced security,...