Transavia's Dynamic Approach to 3D Secure (Case Study)

ADYEN CASE STUDY | Transavia is a European airline that offers charter and scheduled flights from France and the Netherlands to destinations around Europe and the Mediterranean. In 2012, the airline embarked on an ambitious rollout of its new platform and branding, and made the decision to look for an integrated payments technology provider.

Partnering Adyen

The business made the decision to partner with Adyen due to several factors. A key consideration was that Adyen has integrations with Navitaire and Amadeus, the two leading global reservation systems used by airlines, which together account for over 50% of all bookings globally. This means that payments for a given airline are automatically integrated into the ledger, revenue accounting, and reservation system, giving a robust, industrialised  solution for finance, account and sales processes.

3D Secure, Local Payment Methods and M-Commerce

Furthermore, reducing fraud and chargebacks were also key considerations, and the fact that Adyen has fraud solution integrated into its payments platform was a significant point of attraction. Since 2012, the partnership has seen strong results in three key areas – in its approach to 3D Secure, support for local payment methods, and m-commerce growth.

Dynamic Approach

3D Secure - the common name for the fraud prevention technology developed by the major card schemes - adds an additional step in the card payment process by challenging the cardholder to enter a one-time code or password. In real-time, the bank of the cardholder verifies the code to establish if it is the legitimate cardholder or a fraudster performing the transaction.

By implementing 3D Secure, online retailers and businesses can reduce card-not-present fraud and costly chargebacks. However, the extra security step is regarded as a conversion killer and to negatively impact sales. Legitimate cardholders might not be able to complete the card payment in case they have forgotten their password, are unable to generate the requested one-time-code or feel insecure when prompted with an additional payment page requesting sensitive card information.

Merchants often do not have the option to apply 3D secure based upon payment characteristics like transaction value, time, origin of cardholder and card history. Merchant either turn 3D Secure on or off. Adyen is one of the Payment Service Providers that offers a more balanced, risk based 3D Secure approach to decrease the risk of fraud and chargebacks ànd to ensure maximum conversion. With Adyen's dynamic approach to 3D Secure, merchants can set their parameters to which specific transactions 3D Secure should be applied. Download the full Transavia case study here.


About Adyen

Adyen is a global payments technology company that provides businesses a single global platform to accept payments anywhere in the world. Adyen enables businesses to process payments across online, mobile and Point-of-Sale (POS) with over 250 payment methods and 187 transaction currencies.

Headquartered in Amsterdam and San Francisco, with offices across North America, South America, Europe and Asia, Adyen serves more than 3,500 businesses and four of the five largest U.S. Internet companies, including well-known brands such as Facebook, Airbnb, Spotify, Groupon, Evernote,, Viagogo, Yelp, Vodafone, Mango, Netflix, O’Neill, SoundCloud, KLM and JustFab.


Sourced from Adyen, 'Transavia Case Study', June 18th, 2015

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