Conditional 3-D Secure
Introduction
Bien que 3-D Secure soit désormais obligatoire pour les transactions en ligne, la réglementation autour des SCA offre la possibilité de l'ignorer dans certains cas. Trouver le bon équilibre entre expérience client, taux de conversion et Prévention de la fraude n'est pas toujours facile.
C'est pourquoi nous sommes heureux de vous offrir la fonctionnalité Conditional 3-D Secure. Celle-ci implémente ce processus en :
- Examinant les transactions entrantes pour appliquer ou non 3-D Secure de manière appropriée.
- Guidant le flux vers du Soft Decline et/ou vers du challenge/frictionless lorsque cela est applicable.
Vous pouvez continuer à envoyer tout votre flux à un seul compte, car le Conditional 3-D Secure filtrera automatiquement vos transactions qui ne sont pas éligibles aux exemptions.
The following exemptions are in scope:
- A green Fraud Expert Checklist / Fraud Expert Scoring score analysis
The following are not in scope
- Transactions for payment methods
JCB
Diners Club - For transactions you send with parameter cardPaymentMethodSpecificInput.threeDSecure.challengeIndicator (i.e. for Card On File)
Based on the overall picture, our platform will automatically skip or roll-out 3-D Secure, steering the overall payment flow accordingly.
- Conditional 3-D Secure is available for the following payment methods:
American Express
MasterCard
Visa
via all integration methods. - Conditional 3-D Secure can be used together with our Fraud Prevention Silver/Fraud Prevention Gold solution.
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.
- You send a CreatePayment/CreateHostedCheckout request to our platform, including at least the mandatory 3-D Secure and as many Prévention de la fraude properties as possible
- Your Prévention de la fraude 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 - We submit the actual financial transaction to the acquirer to process it. We receive the transaction result. The flow continues at 7
- 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
- We receive the transaction result
- We redirect your customer to your returnUrl
- You request the transaction result from our platform via GetPayment or receive the result via webhooks
- 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:
- Contact us to inform us you would like to use the Conditional 3-D Secure. Provide us with a list of PSPIDs so we can configure them accordingly.
- Activate either Fraud Prevention Silver/Fraud Prevention Gold. Once either is configured properly, send as many additional properties as possible in your CreateHostedCheckout/CreatePayment request. Find a list of these in the dedicated chapter in our Prévention de la fraude guide.
- Make sure your integration complies to SCA by sending at the mandatory parameters for 3-D Secure.
Depending on the integration mode, differences apply. Find an example for all in the "Intégration" tab for the respective payment. Make sure to add as many Prévention de la fraude properties as possible:
American Express
MasterCard
Visa