Risk-based authentication

Accept payments with confidence thanks to our secure, compliant SaaS:

• Enable advanced risk decisioning with real-time risk scores
• Identify high risk transactions with real-time analysis of cardholder purchasing behaviour, transaction data, and device parameters
• Protect your users against automated attacks and identify account take-over attempts in real-time
• Our easy-to-use web application makes case management, list management, and rule management fast and simple – create your own rule-set to reflect the risk appetite of your organisation and your customers
• Manage risk clearly with our configurable authentication policies: frictionless for low-risk, challenge for medium-risk, and decline for high-risk interactions.

Biometric authentication

Eliminate the risks of phishing, password theft and replay attacks. We work with Fido to give you the latest in biometric authentication for even faster, more effective protection:

• Enables biometric authentication on all major browsers
• Supports both app-less and password-less implementations, with no need for a mobile app for authentication
• Supports roaming hardware authenticators and on-device authenticators like fingerprint scanners
• Facilitates passkeys, the new standard in authentication driven across Google, Apple and Microsoft
• Offers digital transaction signing that supports non-repudiation

3DSecure

Our optional account protection tool comes with a pre-integrated suite of industry-leading authentication options and delivers leading transaction success rates. The tool supports global schemes and offers merchants world-class speed, with better than industry-average processing times.

enza’s 3DS solution scope covers the full payment journey:

• Pre-integrated Authentication
• Orchestrated User Journeys
• Risk-based authentication
• Access Control Server (ACS)
• Multifactor Authentication (Biometric authentication)
• Mobile App ID