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. One-time license from $199.00 USD for Magento 2 / Adobe Commerce (build-to-order) — includes 12 months of updates and support.

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.
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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.
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
Gateway-agnostic adapter layer mapping a single SCA policy onto Adyen, Stripe, Checkout.com, Braintree, CyberSource or your acquirer's 3DS2 server
ACL-gated admin configuration under Stores > Configuration for routing rules, exemption thresholds and gateway selection per store view
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.
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.
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.
Responsible for PSD2/SCA compliance and chargeback exposure; needs auditable liability-shift records and documented exemption handling to defend disputes and satisfy the acquirer.
在 ecosire.com 上购买许可证并从您的帐户仪表板下载 3D Secure 2 / SCA Enforcer for Magento 2 模块 ZIP。
将 ZIP 解压到服务器上的 Odoo 自定义插件文件夹中(或通过“应用程序”>“从 Odoo.sh / runbot 上的文件安装”上传)。
激活开发者模式,打开应用程序,单击更新应用程序列表,搜索 3D Secure 2 / SCA Enforcer for Magento 2,然后按安装。
打开新菜单,粘贴您的 ECOSIRE 许可证密钥,连接任何外部凭据(Shopify、Amazon、Stripe 等),然后保存。
运行内置连接测试,同步前 10 条记录,并安排定期 cron。如果出现任何问题,请联系支持人员。
| 标准 | 伊科西尔 | 定制建造 | 竞争对手 | 奥杜本机 |
|---|---|---|---|---|
| Enforces 3DS2 / SCA on every card transaction (not optional) | ||||
| Smart frictionless vs challenge routing engine | ||||
| Per-payment-method SCA enforcement across store views | ||||
| Exemption handling (low-value / TRA) with audit trail | ||||
| Liability-shift status persisted per order for dispute defense | ||||
| Gateway-agnostic adapter (Adyen, Stripe, Checkout.com, etc.) | ||||
| GraphQL / REST exposure for headless / PWA Studio | ||||
| Built, installed and supported for your specific stack |
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.
After a short scoping call we confirm your gateway and requirements and give you a firm lead time — typically around one to two weeks 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.
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.
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.
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.
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.
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.