3D Secure authentication

3-Domain Secure™ (3D Secure or 3DS) authentication provides an additional layer of security by protecting you against fraud when you accept card payments online. It requires shoppers to complete a verification step with the card issuer when paying, thereby shifting the liability for fraudulent card payments from you to the issuer in case of disputes. Airwallex supports 3DS for all card schemes that you can use to accept payments, namely Mastercard (Mastercard Identity Check), Visa (Visa Secure), and UnionPay.

To provide an optimal 3DS experience to your shopper regardless of the interface (mobile app or website), Airwallex offers a fully-integrated 3DS solution supporting both 3DS 1 and 3DS 2.

• 3DS 1 is the original 3DS version that redirects shoppers to the card issuer’s site for authentication, for example, by entering a password or a code sent to their phone.

• 3DS 2 is the new version designed to enhance security in online purchases while providing frictionless checkouts to shoppers who are considered low risk by the card issuer. The issuer determines the risk based on the shopper information available during verification. When additional information is required to verify the shopper, the issuer presents a challenge to the shopper, for example, entering a code sent to their phone. The frictionless flow is attractive to shoppers and provides increased checkout conversion rates.

Airwallex always attempts 3DS 2 (if supported by the issuer and the card) and falls back to 3DS 1 only when 3DS 2 is not available. Rest assured that your shopper will be offered the most suitable 3DS experience (frictionless or challenge) based on the card issuer by always keeping the shopper’s checkout conversion in mind.