Trigger 3DS based on a location to reduce chargebacks

3DS and step-up authentication for users can be a powerful tool to help you prevent fraud before authorizing a transaction. Applying 3DS can come at the cost of lower cart conversion, as users may be discouraged or unable to complete 3DS in that particular moment. It’s not always prudent to apply 3DS for all regions and all types of transactions.

That said, as online purchases grow, some governments are mandating 3DS for their regions. This recipe helps you selectively deploy 3DS based on country, allowing you to meet your regulatory obligations, without forcing all users through this potentially onerous process. This allows you to adjust your fraud strategy based on the regional requirements and country profile risk.