Risk assessment and 3D Secure authentication
The 3D Secure service allows to reduce the risk of chargebacks thanks to the liability shift from the Merchant to the cardholder’s bank (see 3D Secure result tab chapter for more information).
The advanced risk assessment allows to perform two specific actions when configuring the rules:
- “Enable 3D Secure” and “Disable 3D Secure” when 3D Secure v1 is enabled for at least one of the contracts associated with the store.
- “Define an authentication mode” when 3D Secure v2 is also enabled on at least one of the contracts associated with the store.
Based on the protocols available for their contract, these actions allow the merchant:
- In 3D Secure v1, to enable or disable 3D Secure authentication.
- In v2 3D Secure, to express their desire to challenge the buyer with strong authentication during the payment.
Via the payment requests, authorized merchants can:
- Enable or disable the 3D Secure v1 authentication (requires the “Selective 3DS1” option).
- Request 3D Secure v2 authentication without cardholder interaction or frictionless, if an exemption applies (see “Application of exemptions”) and if the shop has the “Frictionless 3DS2” option).
Application of exemptions:
Reminder:
In compliance with banking network rules, a transaction carried out without cardholder authentication does not benefit from liability shift.
Other rules may apply in priority to those defined by the Merchant (in their payment requests or via the risk assessment module):
- 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 the Merchant has requested to disable 3D Secure for the transaction.