Protect

Protect is Spreedly's solution that transforms payment security by integrating fraud management and 3DS optimization into workflows, enabling merchants to improve approval rates, minimize fraud, and elevate customer experiences effectively.

Spreedly Protect product line deliver's on the promise of Open Payments – to deliver Open Access to Best-of-Breed Payments Components. Some of the key value-adds of the Protect product line are:

Increased risk tolerance: Merchants can increase risk approval rates on high-risk transactions by applying 3DS to provide additional confidence in the customer’s identity
Reduce fraud liability: By strategically applying 3DS, merchants can shift liability for high-risk transactions to minimize chargeback costs and protect from first-party fraud
Increase authorization rates: By leveraging 3DS data-only for issuers that use the data in their risk models, merchants can increase their bank authorization rates
Comply with regulation: If a merchant sells in one of the many regions around the world that require 3DS (Europe, India, Australia, Japan, etc.), they will need to have a 3DS strategy in order to do business online

Features in Protect

1. Spreedly 3DS2 Global

Spreedly 3DS services are optional paid services that are supported by our third party integration partner, Forter, Inc. although technical inquiries and support are provided by Spreedly. Spreedly 3DS services are optional paid services that are supported by our third party integration partner, Forter, Inc. although technical inquiries and support are provided by Spreedly. The Spreedly 3DS2 Global solution allows users to integrate with a single 3DS2 Server and bring their authentication parameters to any gateway that accepts third party 3DS fields. Instead of registering merchant credentials and integrating with different 3D Secure flows per gateway, our solution lets platforms and merchants sign up via our API and start making 3DS requests faster. Merchants can now meet SCA requirements across multiple gateways in order to increase success rates instead of being tied to using only one 3DS2 solution on one gateway.

See Introduction to Spreedly 3DS2 Global for information on how to get started with this solution.

Spreedly 3DS2 global resources

2. Spreedly 3DS2 gateway specific

Spreedly 3DS2 Gateway Specific allows our users to integrate with the 3DS solutions on gateways that they are doing transactions on. In this flow, users register their merchant credentials directly with their gateway and then provide the gateway credentials to Spreedly. The result of a 3DS authentication performed on a gateway-specific solution can only be used on that gateway and is not portable. There are also some differences in the way that 3DS is performed per gateway; please visit the gateway guide for the specific gateway that will be used for more information.

See the Spreedly 3DS2 Gateway Specific guide for information on how to get started with this solution.

Spreedly 3DS2 gateway specific resources

3. Third Party 3DS2

If you have an external 3DS2 authentication provider, Spreedly’s Third Party 3DS2 solution allows you to pass externally obtained 3DS2 authentication data values in a normal transaction to a supported gateway.

See the Third Party 3DS2 guide for information on how to get started with this solution.

4. Spreedly Payment Fraud Prevention

With Spreedly's Fraud Management integration, your company can enhance checkout security by allowing only legitimate customers to complete transactions while automatically blocking fraudulent activity. Forter analyzes each transaction in real time and provides instant approve or decline decisions, ensuring a seamless and secure purchasing experience.

5. Payment Fraud Prevention Partner Integrations

Spreedly’s embedded fraud service streamlines payments by combining fraud checks and transaction authorizations into a single request. Before sending a payment to the gateway, Spreedly runs a pre-authorization fraud check with your chosen vendor. If the check passes, the transaction proceeds; if not, authorization is never attempted. This orchestration happens seamlessly within Spreedly, reducing integrations and API calls while simplifying your workflow.