3DS Payment Solutions FAQs

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  What is 3DS in credit card processing?

  3D Secure (3DS) is an authentication protocol that adds a layer of security to online credit card transactions. It verifies the cardholder’s identity before the transaction is approved, helping to prevent fraud and reduce chargebacks. 

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  How does PAAY’s 3DS technology work with AllayPay?

  AllayPay integrates seamlessly with PAAY’s 3DS solution to provide real-time customer authentication. This frictionless verification process allows legitimate transactions to be quickly approved while flagging suspicious ones for review. 

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  Is 3DS required for online payments?

  While not mandatory in all regions, 3DS is required for online payments under regulations like PSD2’s Strong Customer Authentication (SCA) in Europe. Many merchants also adopt 3DS voluntarily to improve security and reduce fraud liability. 

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  Does 3DS slow down the checkout process?

  Not at all. Modern 3DS (including PAAY’s version) uses behind-the-scenes, risk-based authentication. Most customers experience a seamless checkout with no interruptions unless the transaction is flagged as high-risk. 

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  Can 3DS help reduce chargebacks?

  Yes. By verifying the cardholder’s identity during checkout, 3DS dramatically lowers the chances of unauthorized transactions. This reduces chargeback rates and can protect your business from costly disputes. 

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  Are 3DS payments required in Europe?

  Yes. Under PSD2’s Strong Customer Authentication (SCA) regulation, 3DS payments are required in Europe. AllayPay’s integration with PAAY ensures your business stays compliant by supporting 3DS payments Europe-wide. This helps protect both merchants and consumers while meeting international security standards. 

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  How do I get started with 3DS for my business?

  Getting started is easy. Reach out to AllayPay to enable 3DS through our partnership with PAAY. Our team will guide you through each step to make sure your checkout process is secure, streamlined, and meets compliance requirements. 

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  How can you use 3DS?

  3D Secure (3DS) authentication is primarily used for customer-initiated transactions where customers enter their payment information. These transactions include payments through invoicing, shopping carts, hosted payment pages, simple payment pages, and APIs. It also works with tokenizers, adding an extra layer of security when storing or reusing card details.