GLOSSARY
What is 3-D Secure (3DS)?
3-D Secure (3DS) is an authentication step where the card issuer verifies that the person paying is the cardholder, often without the customer noticing in its current version, 3DS2.
How it works
When a payment is authenticated with 3DS, liability for certain fraud chargebacks can shift from the merchant to the issuer.
Why it matters for high-risk brands
Used selectively, 3DS cuts fraud chargebacks for high-risk brands without adding friction to every checkout.
FAQ
3-D Secure (3DS): questions
Does 3-D Secure lower conversion?
It can if applied to every payment. Applying it selectively, for riskier transactions, limits the impact.
Does 3DS stop all chargebacks?
No. It helps with fraud chargebacks, not with disputes such as product not received.