3d secure what is

Depending on your integration, you may want to pass other information to confirm as well. Next, inspect the status property of the confirmed PaymentIntent to determine whether the payment completed successfully. The following list describes possible status values and their significance:. For 3D Secure 2, card issuers are required to support showing the 3D Secure content at sizes of x, x, x, x, and full screen dimensions are width by height.

The 3D Secure UI may be better if you open the iframe at exactly one of those sizes. The sandbox attribute cannot be used on the 3D Secure iframe. In live mode, some content inside this iframe is controlled by the card issuer. That page should postMessage to your top-level page to inform it that 3D Secure authentication is complete. Your top-level page should then determine whether the payment succeeded or requires further action from your customer.

Your top payment page should be listening for this postMessage to know when authentication has finished. You should then retrieve the updated PaymentIntent and check on the status of the payment. If the payment completed successfully, the status is succeeded. Use a Stripe test card with any CVC, postal code, and future expiration date to trigger 3DS authentication challenge flows while in test mode.

When you build an integration with your test API keys, the authentication process displays a mock authentication page. On that page, you can either authorize or cancel the payment. Authorizing the payment simulates successful authentication and redirects you to the specified return URL.

Clicking the Failure button simulates an unsuccessful attempt at authentication. You can write custom Radar rules in test mode to trigger authentication on test cards. Learn more about testing your Radar rules. Sign in. Create account. Business operations.

Financial services. Developer tools. All products. How cards work. Sample integration. Accept a payment. More payment scenarios. Share a payment link. Set up future payments. Save payment details during payment. Created by Visa and MasterCard, 3D Secure also referred to as 3DS is a technical standard that adds a layer of security in online credit and debit card transactions.

The term 3DS stands for 3 Domain Server. The technology is named this because every 3D Secure transaction involves three parties:. In order to complete an online purchase, the cardholder is asked to provide proof of identity by entering a unique password, an SMS code or a temporary PIN. If 3D Secure enrollment is confirmed the client is then redirected to a 3D Secure page served by the card provider. On the provider's website, the client will be asked to enter their unique password or a one-time authentication code which will be emailed to their confirmed email address or sent to their confirmed phone number.

If the cardholder authentication went successfully the cardholder is then redirected back to a merchant's website for payment confirmation. Once back on the merchant's site, the customer will receive confirmation of a successful payment. A major benefit of 3D Secure is that it protects both users and merchants from the threat of payment fraud.

The payment liability shift is another perk of 3D Secure for online merchants. By completing an additional authentication step through 3D Secure, an issuing bank becomes liable for fraudulent chargebacks. Even if the customer claims they have an unauthorized payment from you on their card, most of the time the card provider will be liable for managing the refunds. Fewer chargebacks also mean more money in your pocket. While 3D Secure protocol is one of the most effective payment fraud prevention methods, it is often associated with higher cart abandonment rates.

As a general rule of thumb, the longer the checkout process is, the more likely the customer is to abandon their carts altogether. Adding yet another authentication step for them to complete often hurts both conversion rates and the overall shopping experience. The good news is, with improved 3D Secure 2. A transaction using 3D secure will initiate a redirect to the website of the card issuing bank to authorize the transaction.

Each issuer could use any kind of authentication method the protocol does not cover this but typically, a password-based method is used. Business Taking payments Online payments 3D Secure. What is 3D secure?