3ds Integration


[ Our partner MPP ] PAAY’s solution sits between the shopping cart and the gateway and sends the transaction details to 3D Secure’s system.  By doing so, we attach “three lines of code” that qualify the transaction as 3D Secure protected, shifting liability to the card issuers in the case of fraud.


To authenticate a transaction, the 3D Secure program used to require the consumer to complete an additional step at checkout, increasing cart abandonment. This ranged from social security number to a designated password. However, this usually no longer the case. 3D Secure verification now occurs without taking the consumer through any extra step. 


Authentication happens on the backend, running a transaction’s details against existing data that the card issuer has on file. This occurs “behind the scenes”, with the only changed thing from a user standpoint being a 15-second processing time.


Friendly fraud cannot be stopped by fraud prevention tools. To put it simply, since it’s not a truly fraudulent transaction, it cannot be detected as one. With PAAY, 3D Secure authentication shifts liability to the card issuers, for both friendly and criminal fraud. 


Fraud prevention tools detect whether there’s a high possibility a transaction is fraudulent, and “flag” it. Declined transactions means lost revenue, and as if that isn’t enough, the detection is sometimes a false alarm. With PAAY, all transactions get accepted, and transactions that get authenticated, qualify for chargeback protection. Merchants can maximize revenue, without the risk of having costly chargebacks. This is the definition of best of both worlds.