Frequently Asked Questions
What is 3-D Secure?
3-D Secure is a fraud prevention protocol that was created by Visa and Mastercard to authenticate e-commerce transactions. The protocol sits on the merchant payment form between the payment page and the gateway verifying transactions in real time.
When does the authentication happen?
The authentication starts as soon as the customer finishes entering their credit card information on the merchant payment form prior to the customer hitting submit. If the transaction is authenticated the merchant will receive 3DS data that is then passed to the gateway and finally to the processor. There is no impact on the customer experience, everything happens on the backend. To Demo how this works, please visit our demo checkout page. As you enter your credit card information, you will see the authentication happen (Don't worry, your credit card won't be charged!)
What happens if my transaction doesn't get authenticated?
If the transaction is not authenticated, PAAY will close out the authentication request and the transaction will continue as normal. There will be no impact on the customer experience, however the liability shift will not occur.
What percentage of transactions are authenticated?
About 65% of transactions are authenticated and qualify for a liability shift. There are ways to optimize your payment page to increase the number of authenticated transactions. For more information on how to optimize your payment page please contact email@example.com
Can I get chargeback protection on all cards?
How does PAAY lower interchange rates?
3-D Secure qualifies transactions as "less risky" on a network level - enabling Visa and Mastercard to offer lower interchange rates on reward cards. Download our One Pager for a detailed explanation on how it works.
Which chargeback codes does 3DS protect from?
Download a complete list of chargeback codes covered by 3-D Secure here.
Does 3DS cause a pop-up to appear on the screen?
No, everything happens in the backend. There is no impact on the customer experience . Click here for a demo of the checkout process.
How can I start using 3DS on my website?
All you need is a customizable payment form and an account with PAAY. If you’re interested in trying out the solution, please contact firstname.lastname@example.org and we’ll get you started with a risk free trial.
I have several MIDs. Do I need all of them?
No, we only need your primary MID.
Does 3-D Secure work with all types of merchants?
Does 3-D Secure work with Konnektive CRM?
Yes. Please check the logs in your Konnektive CRM account, you should find a CAVV, ECI and XID for each protected transaction, if you cannot see any of these values attached to the transaction it did not receive 3DS protection. If you are using another CRM please contact them directly to see if they accept 3-DS data.
Which banks support 3DS?
U.S. banks support 3-D Secure. If you are using an international bank please reach out to them to confirm that they support it as well.
Which processing platforms support 3DS?
First Data's Nashville Platform
Which gateways support 3DS?
How does the implementation work?
The integration can be applied to any customizable checkout page. It will take a few minutes and can be done by anyone.
Coding experience is needed. You'll need access to your servers to generate your own token. Programing language specific.
This integration consists of 2 to 3 calls to the API.
This integration consists of 1 to 2 call to the API.
If 3DS was created by Visa & MC, why do I need PAAY?
Typically Visa & MC do not work directly with merchants or ISO's to make 3DS accesible; they rely on certified providers like PAAY to service the e-commerce market.