Does Kovena provide 3-D Secure (two-factor authentication)?

Yes. This ensures that the guest is the owner of the card and not a fraudster. This extra layer of security is strong proof that the transaction was genuine. When a customer makes a payment that exceeds a certain amount, Kovena provides the technology - if the customer's bank has 2fa authorised - to send the customer a push-notification or other second layer of security to approve the transaction.