TypingDNA 3-D Secure is a keystroke dynamics authentication solution designed for card issuers and payment service providers to comply with PSD2's Strong Customer Authentication (SCA) requirements. The product uses typing biometrics as a behavioral authentication element within the 3-D Secure protocol. The solution analyzes how users type on their keyboards to recognize individuals based on their user-device interactions. This behavioral biometric serves as an inherence-based authentication factor approved by the European Banking Authority (EBA) for SCA compliance. The product integrates with existing 3-D Secure implementations through a RESTful API. It can be deployed for passive authentication during various user interactions, including login, checkout, form fills for shipping addresses, or card detail entry on merchant websites and applications. TypingDNA 3-D Secure supports 3-D Secure 2.2 protocol and enables decoupled authentication for online transactions. The solution addresses challenges associated with traditional SCA methods such as false positives, poor user experience, device switching issues, and accessibility concerns. The authentication system can be implemented alongside other EBA-approved authentication factors to create multi-factor authentication combinations tailored to specific use cases in payment processing environments.