![]() In practice this means you shouldn’t receive disputes marked as fraudulent if the payment was covered by the liability shift rule, but you’ll still receive an Early Fraud Warning. If a cardholder disputes a 3D Secure payment as fraudulent, the liability should shift from you to the card issuer. The liability shift rule applies to payments that are successfully authenticated using 3D Secure. Want to use Stripe’s 3D Secure service with other processors? Contact support. 3DS is optional in other regions but you can still use it as a tool to reduce fraud. The Strong Customer Authentication regulation as part of PSD2 in Europe and similar regulations in the UK, India and Australia may require the use of 3DS for card payments. Watch our video for an example of an authenticated checkout flow. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. ![]() Complies with Strong Customer Authentication regulation in Europe.įor extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying.Leverages benefits from Dynamic 3D Secure.To continue using 3D Secure, adopt the Payment Intents API or Setup Intents API. Major card brands no longer support 3D Secure 1.
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