![]() ![]() If you receive an inquiry for a 3D-Secure-authenticated charge, it’s vital you respond because if you don’t, the cardholder’s bank can initiate a financial chargeback known as a no-reply chargeback that could invalidate the liability shift. This type of dispute doesn’t precipitate a chargeback because it’s basically a request for information. You might receive a dispute inquiry on a successfully authenticated payment using 3DS. It’s still possible that you might receive a low percentage of fraudulent disputes, and we list a few cases below where the liability shift rule might not apply. In practice this means you shouldn’t receive disputes marked as fraudulent if the payment was covered by the liability shift rule, but you’ll still receive an Early Fraud Warning. If a cardholder disputes a 3D Secure payment as fraudulent, the liability should shift from you to the card issuer. The liability shift rule applies to payments that are successfully authenticated using 3D Secure. Want to use Stripe’s 3D Secure service with other processors? Contact support. 3DS is optional in other regions but you can still use it as a tool to reduce fraud. The Strong Customer Authentication regulation as part of PSD2 in Europe and similar regulations in the UK, India and Australia may require the use of 3DS for card payments. Watch our video for an example of an authenticated checkout flow. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. ![]() Complies with Strong Customer Authentication regulation in Europe.įor extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying.Leverages benefits from Dynamic 3D Secure.To continue using 3D Secure, adopt the Payment Intents API or Setup Intents API. ![]() Content Submission Requirements: -File Type: PNG, JPG, PDF, JPEG, AI, EPS, HEIC.Major card brands no longer support 3D Secure 1. 4.) Any material that disparages the name or any products associated with Positive Grid. 3.) Any obviously trademarked or copyrighted material, including brands, logos, artwork, images, mascots, character likeness, etc. 2.) Any material that contains racism, hate speech, or content that would be considered inflammatory by minority groups. Rejected Submissions Include: 1.) Any material that contains sexually exploitive or pornographic imagery. Personalized products are non-refundable. Positive Grid reserves the right to reject any submission that does not meet the requirements or is otherwise deemed inappropriate. 3.) Content featuring minors for whom you are not the parent or legal guardian. 2.) Content featuring people who did not give consent. These include: 1.) Any trademarked or copyrighted material, including brands, logos, artwork, images, mascots, character likeness, etc. Image Resolution: 300 dpiīy uploading any content you indemnify Positive Grid and accept all liability for the upload, including defending against legal actions related to it. Content Submission Requirements: -File Type: PNG, JPG, PDF, JPEG, AI, EPS, HEIC. ![]() By uploading any content you indemnify Positive Grid and accept all liability for the upload, including defending against legal actions related to it. ![]()
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