Introducing BankID Authentication in Norway

📖 Seamless Authentication for Norwegian Cardholders

Authenticate payments the way Norwegians already trust. We've added BankID as an authentication method for 3DS challenges, bringing familiar, secure verification to your cardholders. 🎉

We're excited to announce that Apata now supports 3DS authentication via BankID applications in Norway. This integration allows banks and issuers using our Access Control Server (ACS) platform to leverage Norway's most trusted digital identity system for payment authentication.

🔐 What is BankID?

BankID is an electronic identification system that securely verifies a person's identity online. Issued by banks and integrated with Norway's national digital infrastructure, it's the gold standard for identity verification in the country.

Norwegians already use BankID daily for:

Government portals - Accessing public services and tax systems
Legal documents - Signing contracts electronically
Banking services - Secure access to financial accounts
Private services - Verifying identity for telecoms, insurance, and more

With 99% of Norway's adult population using BankID, your cardholders are already familiar with this authentication method.

⚙️ How It Works

When a cardholder makes an online payment, our 3DS platform can now send authentication challenges directly to their BankID application. The cardholder simply approves the transaction via a pop-up notification in their BankID app.

Here's what this means for your programme:

Familiar experience - Cardholders authenticate using a method they already trust and use hundreds of times per year
Higher approval rates - Reduced friction means fewer abandoned transactions
Strong security - BankID is backed by banks and tied to individuals' legal identities, managed centrally by Stø AS
Simple configuration - Banks and issuers can enable BankID authentication challenges directly in the ACS platform

🚀 Why This Matters

99% coverage, 900 million annual transactions. BankID users in Norway perform over 200 authentications annually, making this the most natural way for your cardholders to verify payments.

By supporting BankID for 3DS authentication, you're meeting your Norwegian cardholders where they already are. No new apps to download, no new processes to learn. Just secure, trusted authentication that feels native to their digital lives. 🙌

Ready to enable BankID authentication for your programme? Reach out to your account manager to get started. Not a customer? Speak to an expert to find out more - Link