Mobile Biometric Login & 3D Secure Authentication for Moss

3-D Secure (3DS) Biometric Login for the Moss App

Strengthening Authentication and Payment Security with Biometrics and 3DS

Moss is a B2B spend management platform providing companies with corporate cards, expense controls, and real-time visibility over company spending across multiple markets

Delivered biometric login and 3DS authentication across multiple markets, improving secure user authentication, SCA compliance, and end to end payment authorisation

PIN-based authentication created friction and limited security across both login and payment flows. The experience did not meet evolving Strong Customer Authentication requirements, and identity verification was not consistently applied across sessions and transactions. This increased fraud risk, reduced user trust, and created a drop-off during payment authorisation, particularly across different regulatory markets.

Integrated fingerprint and facial recognition to enable fast, low friction login while strengthening identity verification. Implemented a NOW ID authentication loop to ensure secure and repeatable user verification across sessions. Ensured encrypted handling and storage of biometric data in line with GDPR and regional compliance requirements.

Integrated 3D Secure to support Strong Customer Authentication across online transactions, enabling step up verification where required. Automated 2FA within payment flows to improve security without introducing unnecessary friction. Designed flows to maintain high authorisation success while meeting regulatory requirements across markets.

Aligned login and transaction authentication to create a consistent identity layer from account access through to payment completion. Embedded authentication and compliance directly into the user journey, reducing drop off and improving reliability of payment execution.

Delivered biometric authentication enabling secure, PIN free login across devices. Integrated 3DS to support compliant payment authorisation flows. Implemented NOW ID authentication loop for consistent identity verification. Ensured full compliance with SCA, 2FA, and payment security standards across multiple markets

Enabled faster and more secure login through biometrics while reducing reliance on PIN based flows. Reduced fraud risk through stronger identity verification and step up authentication during payments. Improved end to end payment success by minimising friction during authentication. Delivered a consistent, compliant authentication experience across markets, increasing user trust and transaction reliability.

NOW ID, Biometric APIs, 3-D Secure (3DS), 2FA Go, Python, MySQL, SQL AngularJS, jQuery

Agile development, PCI DSS, GDPR compliance