Illustrative previewA build-to-order Magento 2 extension that forces PSD2-compliant 3D Secure 2 authentication at checkout,
with smart frictionless-versus-challenge routing, per-payment-method SCA enforcement, exemption handling (low-value/TRA) and liability-shift tracking. Gateway-agnostic, built and installed by ECOSIRE.
What is 3D Secure 2 / SCA Enforcer for Magento 2?
A build-to-order Magento 2 extension that forces PSD2-compliant 3D Secure 2 authentication at checkout, with smart frictionless-versus-challenge routing, per-payment-method SCA enforcement, exemption handling (low-value/TRA) and liability-shift tracking. Gateway-agnostic, built and installed by ECOSIRE. Built to order by ECOSIRE for Magento 2 / Adobe Commerce (build-to-order) — indicative price from $999.00 USD; request a quote for a scoped proposal.
Key Features
Built to order, done for you
No DIY setup — a working app, built, installed and supported by ECOSIRE.
- 1
You order
Start with a one-time build price. We scope it with you at kickoff.
- 2
We build & install
ECOSIRE builds, configures and installs it on your Magento 2.
- 3
Go live + support
You go live in about one working week, with two weeks of go-live support. Defects in the code we deliver are fixed free of charge.
About this Product
EU merchants on Magento 2 / Adobe Commerce carry the chargeback liability whenever a card payment slips through without Strong Customer Authentication. Most payment modules support 3DS2 only as an optional path — issuers can still soft-decline or downgrade, and core Magento gives you no central place to mandate authentication or reason about exemptions. The 3D Secure 2 / SCA Enforcer for Magento 2 closes that gap.
This is a build-to-order extension: ECOSIRE designs, builds, installs and supports it for your specific gateway and checkout. It ships as a proper module under app/code/Ecosire/Sca, wiring into the payment flow through di.xml plugins on your payment method models and sales_order_place_before/payment_authorize observers — no core hacks. A frictionless/challenge routing engine evaluates each transaction (amount, currency, basket risk, returning-customer signals) and decides whether to request a frictionless flow or force a challenge, honoring the EMV 3DS 2.x protocol your PSP exposes.
You get an admin configuration UI (ACL-gated under Stores > Configuration) for per-method SCA rules, exemption thresholds and gateway mapping. Exemption handling covers low-value (under €30) and TRA (Transaction Risk Analysis) cases, with every decision and the resulting liability-shift status persisted against the order for audit. Service contracts and REST/GraphQL endpoints expose authentication state to headless and PWA Studio storefronts.
Gateway-agnostic by design, it adapts to Adyen, Stripe, Checkout.com, Braintree, CyberSource or your acquirer's 3DS2 server. Delivery is honest: a scoped build with a quoted lead time, UAT on your staging, then production install. Works on Adobe Commerce and Magento Open Source 2.4.x.
What you get
- Custom Magento 2 module (Ecosire_Sca) delivered as installable source under app/code plus a Composer package for your repository
- Gateway adapter configured and tested against your specific PSP / acquirer 3DS2 integration
- Admin configuration screens with ACL roles for routing, per-method enforcement and exemption thresholds
- REST + GraphQL endpoints and service contracts for headless / PWA Studio storefronts (where applicable)
- Installation on your staging environment with a UAT pass covering frictionless, challenge, exemption and decline scenarios
- Production deployment assistance plus a setup:upgrade / di:compile / deploy runbook
- Technical documentation: configuration guide, exemption-policy reference and liability-shift data dictionary
- A defined post-launch support and bug-fix window with Magento version-compatibility coverage
Who this is for
EU eCommerce Merchant on Adobe Commerce
A PSD2-regulated online retailer that needs every card payment to satisfy Strong Customer Authentication to avoid liability and issuer soft-declines, but whose current payment module treats 3DS2 as optional.
Magento Technical Lead / Solution Architect
Owns the checkout and payment integration and wants a clean, upgrade-safe module (plugins, observers, service contracts — no core edits) that centralizes SCA policy across multiple payment methods and store views.
Payments & Compliance Manager
Responsible for PSD2/SCA compliance and chargeback exposure; needs auditable liability-shift records and documented exemption handling to defend disputes and satisfy the acquirer.
How 3D Secure 2 / SCA Enforcer for Magento 2 Compares
| Criterion | ECOSIRE | Custom Build | Competitor | Magento 2 Native |
|---|---|---|---|---|
| Enforces 3DS2 / SCA on every card transaction (not optional) | Included | Partial support | Partial support | Not included |
| Smart frictionless vs challenge routing engine | Included | Partial support | Partial support | Not included |
| Per-payment-method SCA enforcement across store views | Included | Partial support | Not included | Not included |
| Exemption handling (low-value / TRA) with audit trail | Included | Partial support | Not included | Not included |
| Liability-shift status persisted per order for dispute defense | Included | Partial support | Partial support | Not included |
| Gateway-agnostic adapter (Adyen, Stripe, Checkout.com, etc.) | Included | Partial support | Not included | Not included |
| GraphQL / REST exposure for headless / PWA Studio | Included | Partial support | Not included | Not included |
| Built, installed and supported for your specific stack | Included | Partial support | Not included | Not included |
Frequently Asked Questions about 3D Secure 2 / SCA Enforcer
Is this an instant download from the Adobe Commerce Marketplace?
No. This is a build-to-order extension. ECOSIRE builds it for your specific gateway, checkout and Magento version, then installs it. You are not buying a generic Marketplace listing — you are commissioning a tailored module that we deliver, install and support.
How long does delivery take?
After a short scoping call we confirm your gateway and requirements and give you a firm lead time — typically around one working week for a standard single-gateway build. We then deliver the module, run UAT on your staging covering frictionless, challenge, exemption and decline paths, and deploy to production once you sign off.
What ongoing support and updates do I get?
Every build includes a defined post-launch support and bug-fix window plus compatibility coverage for your Magento 2.4.x line. We address regressions from Magento patch releases and gateway API changes within scope, and offer an optional ongoing maintenance arrangement for long-term updates and new payment methods.
Will it work with my payment gateway?
Yes — the module is gateway-agnostic through an adapter layer. We map your single SCA policy onto your PSP's 3DS2 server, whether that's Adyen, Stripe, Checkout.com, Braintree, CyberSource or your acquirer's own EMV 3DS service. Confirm your gateway during scoping so we configure and test the correct adapter.
Does it modify Magento core or break upgrades?
No core files are edited. The extension uses standard Magento 2 extension points — di.xml plugins on the payment models, observers on sales_order_place_before and payment authorize events, service contracts and admin ACL — so it survives setup:upgrade and Magento minor-version upgrades cleanly.
How does it handle SCA exemptions?
It supports low-value exemptions (transactions under €30) and Transaction Risk Analysis (TRA) exemptions, with configurable thresholds and per-acquirer caps in the admin. Each exemption decision and the resulting liability-shift status is logged against the order, so you keep an auditable record for PSD2 compliance and dispute defense.
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3D Secure 2 / SCA Enforcer
A build-to-order Magento 2 extension that forces PSD2-compliant 3D Secure 2 authentication at checkout, with smart frictionless-versus-challenge routing, per-payment-method SCA enforcement, exemption handling (low-value/TRA) and liability-shift tracking. Gateway-agnostic, built and installed by ECOSIRE.
- EMV 3DS 2.x challenge/frictionless routing engine that scores each transaction and decides whether to request a frictionless flow or force an issuer challenge
- Per-payment-method SCA enforcement — mandate authentication on selected methods while leaving others (e.g. PO, offline) untouched, via di.xml plugins on the payment model
- Liability-shift tracking: ECI/authentication status, CAVV/transaction status and shift outcome persisted against each sales_order for dispute defense and audit
- Exemption handling for low-value (sub-€30) and TRA (Transaction Risk Analysis) cases, with configurable thresholds and per-acquirer caps