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Although 3-D Secure is now mandatory for online transactions, SCA regulations allow to skip 3-D Secure altogether in some cases. Checking the requirements for that adds complexity to your integration, especially when you need to weight customer experience and conversion rate against Fraud Prevention.

Therefore, we are happy to offer you the Conditional 3-D Secure feature. It implements this process by automatically:

You can keep sending all your flow to one account, as the Conditional 3-D Secure will automatically filter your transactions which are not eligible for exemptions.

The following exemptions are in scope:

The following are not in scope

  • Transactions for payment methods
    Diners Club
  • For transactions you send with parameter cardPaymentMethodSpecificInput.threeDSecure.challengeIndicator (i.e. for recurring payments)

Based on the overall picture, our platform will automatically skip or roll-out 3-D Secure, steering the overall payment flow accordingly.

Understand payment flow

This is a high-level payment flow covering only the mandatory steps. Regardless of the mode you choose, the flow follows some basic steps as described below. Learn in our dedicated guides about the individual differences

Our Conditional 3-D Secure is available for or all our integration modes and blends in seamlessly in the payment flow.

  1. You send a CreatePayment/CreateHostedCheckout request to our platform, including at least the mandatory 3-D Secure and as many Fraud Prevention properties as possible
  2. Your Fraud Prevention performs the Risk Score Calculation/Rule Engine Decision and checks whether the transaction is applicable for the Exemption Engine flow:
    a. If any of the criteria is met, the flow continues at 3
    b. If not, the flow continues at 4
  3. We submit the actual financial transaction to the acquirer to process it. We receive the transaction result. The flow continues at 7
  4. We submit the actual financial transaction to the acquirer with a preference for frictionless flow. If the issuer does not accept the frictionless flow, we will automatically recover the transaction via Soft Decline
  5. We receive the transaction result
  6. We redirect your customer to your returnUrl
  7. You request the transaction result from our platform via GetPayment or receive the result via webhooks
  8. If the transaction was successful, you can deliver the goods / service

Integrate Conditional 3-D Secure

To use the Conditional 3-D Secure, make sure to fulfil these requirements:

Depending on the integration mode, differences apply. Find an example for all in the "Integration" tab for the respective payment. Make sure to add as many Fraud Prevention properties as possible:

American Express

If you use the Conditional 3-D Secure solution, you acknowledge and accept that a successful exemption does not always comply to the SCA protocol. Consequently, you are liable for these exemptions if these turn out to be fraudulent

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