What is 3D Secure?

3D Secure requires your clients and customers to complete an additional verification step when paying with a card issued by their bank. Usually, your customer is directed 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. This applies to Visa, Mastercard, American Express, and any other bank issued card with 3D Secure.

Payments that have been successfully authenticated using 3D Secure are covered by a liability shift. If a cardholder disputes that a 3D Secure payment is fraudulent, the liability shifts from you to the card issuer.

Although cardholders can’t dispute payments that have been successfully authenticated using 3DS as fraudulent with an upfront financial chargeback, issuers may initiate a retrieval request. This type of dispute is non-financial, and is basically a request for information.

Visit Stripe for more details

How to enable 3D Secure

1. Go to your Stripe Dashboard

2. Head over to the Payments section in the menu bar.

3. Once on the Payments tab, click on Fraud & risk and you should see Rules right under that.

4. Scroll down to the Authentication rules section. This is where you will enable 3D Secure.

3D secure authentication rules

5. Enable all 3 conditions for 3D Secure.