Authenticate Payments with 3-D Secure

3-D Secure is another level of security for online payments. Using 3-D Secure you can authenticate E-commerce transactions with the card issuer and reduce fraud and chargebacks

  1. Reduce Fraud

    When 3-D Secure is enabled, each transaction is authenticated directly by your customer's card issuer. If issuers suspect fraud, they may decide to challenge the customer with an additional authentication factor such as SMS or a push notification to their personal mobile device.

  2. Reduce Chargebacks

    Chargebacks happen when a customer disputes a charge that was made with his payment card. There are many reasons why customers may dispute a charge, but more often than not, a dispute happens when the customer card was stolen and was used to purchase goods online.

    For most online retailers, when a charge is disputed, it's the merchant's responsibility to prove to the issuer that the transaction was in-fact conducted by the customer. Merchants that are unable to do that, are charged for the entire amount. Handling disputes and paying back chargebacks can mount to significant costs for online retailers, so Buya offers a way to avoid them in the first place.

    Using 3-D Secure, the issuer is authenticating the payment with the customer during the checkout process. If the transaction is authenticated, you may not be liable for any chargebacks!

  3. Integrate 3-D Secure In Your Checkout Process

    To gain the benefits of authenticated transactions you must integrate 3-D Secure into your checkout process. With Buya, you can add an authentication process to your checkout with very little hassle, and stop worrying about chargebacks!