Risk assessment and 3-D Secure authentication
The 3-D Secure service allows to reduce the risk of chargebacks, thanks to the liability shift from the Merchant to the cardholder’s bank.
When setting rules, you can define an authentication mode (3-D Secure preference) when 3-D Secure v2 is activated on at least one of your contracts associated with the shop.
- to request strong authentication from the cardholder (Challenge)
- to request authentication without cardholder interaction (Frictionless), if the shop’s options allow it.
You can indicate your 3-D Secure preference from the payment requests.
This functionality can be used in addition to the risk rules .
For this, the shop must have the “Frictionless 3DS2” option.
The parameter transmitted in the payment request (strongAuthentification of the REST API or vads_threeds_mpi of the Hosted Payment Page has priority over the decisions of the risk assessment module.
You can find all useful information about 3DS authentication in the 3-D Secure guide.
Other rules may take priority over those you have defined in the payment requests or from the risk rules:
- Some payment cards require cardholder authentication. This is the case of Maestro cards.
- American Express reserves the right to perform strong authentication according to its own rules, even if you have defined a different configuration.