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OverviewAPI GuidesGetting StartedRecipesGig Economy PlatformsSharing Economy PlatformsMarketplacesBlockchain BusinessesEscrowSandboxRolesRulesDue DiligenceCustomersAccountsBank AccountsCardsTransactionsIntroductionInboundGetting money into the systemTransaction ReferenceAccount ReferenceInternalOutboundEscrowSplit PaymentsRefundsStrong Customer Authentication3D Secure AuthenticationIntroductionCreate a cardCreate a transactionDocument UploadStatementsWebhooksErrorsPQLAPI ReferenceAccountCreate an accountRetrieve an accountTransition account statusList all accountsAnnotate an accountDelete annotation from an accountTag an accountDelete tag from an accountBank AccountCreate a bank accountRetrieve a bank accountUpdate a bank accountTransition bank account statusList all bank accountsAnnotate a bank accountDelete annotation from a bank accountTag a bank accountDelete tag from a bank accountCardCreate a cardRetrieve a cardUpdate a cardTransition card statusList all cardsAnnotate a cardDelete annotation from a cardTag a cardDelete tag from a cardCardholderCreate a cardholderRetrieve a cardholderUpdate a cardholderTransition cardholder statusList all cardholdersAnnotate a cardholderDelete annotation from a cardholderTag a cardholderDelete tag from a cardholderCreate an authentication tokenCheckCreate a checkCustomerIndividual CustomerCreate a customerRetrieve a customerUpdate a customerSole TraderCreate a customerRetrieve a customerUpdate a customerOrganisationCreate a CustomerRetrieve a CustomerUpdate a CustomerIncorporated BusinessCreate a customerRetrieve a customerUpdate a customerBusiness PersonAdd a business personRetrieve a business personUpdate a business personDelete a business personRetrieve a customerTransition state of a customerList all customersAnnotate a customerDelete annotation from a customerTag a customerRemove tag from a customerCreate an authentication tokenTouch a customerDocumentCreate a documentRetrieve a documentList Document TypesReferenceRetrieve a referenceStatementRetrieve a statementStatusRetrieve API statusTransactionCreate inbound transactionCreate internal transactionCreate outbound transactionRetrieve a transactionTransition transaction statusList all transactionsAnnotate a transactionDelete annotation from a transactionTag a transactionDelete tag from a transaction
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3D Secure Authentication

3D Secure provides an additional level of protection against fraudulent payments and is supported by most card issuers. The Strong Customer Authentication regulation was introduced in September 2019 in Europe and mandates the use of 3D Secure when making card payments online. When enabled, 3D Secure requires cardholders to complete an additional verification step which is controlled by the bank that issued the card. Typically, this involves showing the cardholder a verification page on their bank’s website. This page usually asks the cardholder to enter a password linked with their card or a single-use code sent to their phone. All card schemes brand the service differently, such as Verified by Visa and Mastercard SecureCode.

How 3D Secure benefits merchants

Payments that are successfully authenticated using 3D Secure are covered by shift in liability from a chargeback perspective. This means that if cardholder disputes a 3D Secure authenticated payment as fraudulent, the liability shifts from the merchant to the card issuer and such payments are not eligible for a chargeback in this category.

A shift in liability can also occur if the card or issuer isn’t 3D Secure enabled but could support 3D Secure which most cards today do. In such cases, the cardholder isn’t taken through the 3D Secure authentication flow when making a payment since the card is not registered for 3D Secure. However, the liability still shifts to the issuer because they have chosen not to enable 3D Secure.

The Card creation with 3DS and 3DS Transaction Flow guides will walk you through creating cards and transactions when the 3D Secure authentication flow is activated on your account.