3D Secure - Authentication in order to reduce card fraud.

At Paynode, security is front and center. This is why we apply 3D Secure (3DS) to each card payment.

Understanding 3D Secure: How It Works to Protect  Payments

Every time a transaction is authenticated with 3DS, you will have the assurance that the person using the card is actually the cardholder. 3DS also protects customers while paying online, as it prevents other people from trying to process a transaction without being authenticated. 

What is 3D Secure?

3D secure is a security protocol that helps prevent fraud in online credit and debit card transactions. The purpose of 3DS is to authenticate that the person using the credit card is in fact who they say they are.

How does 3D Secure work?

It is up to the card issuer to determine how the cardholder will experience 3DS.

• "Frictionless"
  In some instances, the card issuer will opt to deliver a "frictionless" 3D Secure experience for the cardholder. This means that the card issuer's logo and messaging may be displayed while the transaction is authenticated, but the cardholder is not prompted to enter any credentials. This most often happens for repeat purchases.

• "Authentication required"
  In other instances, the card issuer will require the cardholder to input their credentials. The cardholder is redirected to a "3D Secure" page (served by the issuing bank) and asked to authenticate themselves to the issuing bank by confirming their identity.

When 3D Secure is successful, the transaction is approved and the liability from fraudulent chargebacks (stolen or counterfeit cards) shifts to the issuing bank.

While Paynode applies 3DS to all transactions, not all cards are enrolled in 3DS. If a card is not enrolled in 3DS or for some reason 3DS cannot be applied you may be asked to manually approve a liability check.