For extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer before completing their purchase. Typically, a customer is directed 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. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check.
While 3DS grants merchants protection from chargebacks and fraud, the added layer of friction from 3DS can result in cart abandonment, as even legitimate users may not be able to successfully complete their step-up challenge, or may elect to try to do this later, only to never return.
This automation allows you to bypass 3DS for low-risk transactions as scored by your fraud provider, allowing for a smoother check-out experience for these users and reserving the added friction of 3DS for higher-risk transactions.
Talk to our team today to see this automation in action.