Library · Chargebacks · Guide
3-D Secure
EMV 3-D Secure. Visa brands it Visa Secure; Mastercard brands it Identity Check. The directory server is the network; the challenge is the issuer.
At checkout / auth time — frictionless or challenge. It does not fire when a dispute is filed. It is not an alert network.
Does not stop consumer disputes (not received, not as described, cancelled recurring). Helps on fraud codes when authentication succeeded and the program grants the shift. Failed/attempted 3DS is not the same as authenticated.
Authentication before (or with) authorization. A successful authenticated 3DS2 transaction can shift fraud liability to the issuer on qualifying fraud chargebacks.
Per-attempt or per-auth fee from the gateway/acquirer, plus conversion loss on challenged auths. No public network retail price. The tax is often the drop, not the fee.
Per MID, and then placement in the cascade (always / by BIN / by amount / by risk). Orchestration owns where it sits. Traffic owns the conversion hit.
Liability shift attaches to the authenticating MID. A retry onto a MID that is not 3DS-enrolled can undo the shift. Enrollment without placement is a checkbox. Not RDR, Ethoca, CDRN, or Order Insight. Not a fraud score. Not a reason to ignore AVS.
Place 3DS in the cascade on purpose (amount, BIN, risk). Measure conversion drop separately from fraud CB drop. A retry onto a MID that is not enrolled can undo the shift.
Pairing manual: 3-D Secure. Orchestration owns placement: Payment orchestration.
Work with us — We run this job on your accounts. Services