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Authentication for E-Commerce & M-Commerce

E-commerce is rising all over the world. Mobile is adapting to the changes in today’s world of payments. Advancements in mobile technologies are making it much easier for consumers to pay for goods and services via their mobile devices. Here, the issue of authentication for e-commerce becomes of special importance, and this article is about all these things.

Authentication for E-Commerce

In today’s increasingly digital world, people are more and more often making purchases online. Making payments via mobile devices is increasingly turning into the norm. By the way, the number of people relying on their mobile devices to make payments tripled in 2018, as Visa’s digital payments study shows.

In the modern e-commerce space, credit cards are the most common method of making payments. However, people don’t use credit cards being 100% sure they can avoid payment fraud: they still have fears. Online security and privacy are still a major problem in payments.

So, it’s no wonder that e-commerce authentication is now gaining more importance than ever before. Specifically, the rise in mobile commerce or m-commerce has increased the need for advanced authentication technologies, as “Lost in Transaction: The End of Risk?” study by PaySafe reveals.

That’s the reason why two-factor authentication and multi-level authentication are so much important for helping individuals and businesses avoid fraud. Specifically, biometric authentication (through retina scans, face ID, or fingerprints) plays a special role in m-commerce.

In fact, biometric authentication is already quite widespread and has found its most popular expression via fingerprint technology, facial recognition technology, as well as voice-enabled authentication.

The modern business world is faced with changing customer expectations, technology, and regulation. Quite logically, this has its impact on commerce and the way authentication will further evolve.

On the one hand, consumers want speedy checkout processes, and, on the other hand, they’re worried about data breaches, security, and passwords.

However, this is just the beginning: biometrics, device ID, as well as data and behavioral analytics have just started to develop. Various devices and technologies are going to have their influence on the further development of both commerce and authentication.

As a merchant, you should proactively and thoughtfully manage your customer experience. This is how you can ensure a seamless e-commerce experience, and security is immensely important in this regard.

Thankfully, there’re respectable merchant services providers like that can best help you with authentication for e-commerce.

EMB is the top-rated high risk processor and a reputable provider of alternative business financing in the U.S. What’s more, is an A company by Card Payment Options and an A+ company by the BBB.

In addition, ValuePenguin considers EMB as the “Best All-Around High Risk Merchant Account Provider.” With, you can enjoy the lowest possible rates and fees, as well as the fastest application in the industry.

Growing Need for Authentication

E-commerce and m-commerce have revolutionized the world. Mobile commerce is spreading its wings worldwide and is doing this with incredible advances. Based on 2019 Consumer Trends report by the European Banking Authority, the total amount of non-cash payments in the E.U. increased by 7.3% in 2017, thus reaching 134 billion transactions.

To help consumers avoid fraudulent purchases, modern retailers can use multifactor authentication (MFA). The latter is a security enhancement measure that requires presenting more than pieces of evidence when signing in into an account.

By the way, 14 September 2019 is the new requirements date concerning online payment authentication in Europe. This is part of the 2nd Payment Services Directive (PSD2). When it comes to the so-called 2-factor authentication (2FA), its implementation across all these purchases, and not only for those made via mobile, is too important.

In fact, the new regulation designed for Europe, Strong Customer Authentication (SCA), aims to mitigate fraud and make online shopping more secure. SCA requires building additional authentication into your checkout flow.

To sum up, mobile devices are creating a bridge between companies and consumers much more rapidly than one could expect in the past. Fraudsters are more and more often targeting digital channels, which result in a growing need for more advanced security measures like robust customer authentication.