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3-D Secure

First Data's services range from authentication and verification tools, which help detect and reduce identity theft, to neural network scoring and real-time fraud detection at the point-of-sale. This includes investigative tools and resources to recover fraud losses on the back end, and a full fraud outsourcing solution to supplement in-house operations. These solutions prevent fraud, while protecting profitable customer relationships.

First Data uses Arcot TransFort authentication solutions to cover all key participants in an electronic commerce transaction: the card issuers, online merchants, merchant aggregators, and consumers. First Data Merchant Services provide Arcot's TransFort for Merchants solution, the most widely adopted solution for payment authentication, to online merchants.