Flexible 3D Secure for your checkout

06/07/2019 Industry news

MultiSafepay offers various solutions to increase payment security and enhance the safety of your webshop. With fraud preventing technologies like tokenization, 3D Secure and Dynamic 3DS, MultiSafepay already empowered merchants to strengthen fraud prevention in their online store without influencing the conversion rate. As part of the 3D Secure protocol MultiSafepay has now added Flexible 3D Secure to its range of security solutions! Do you accept credit cards in your webshop? Then Flexible 3D Secure is a great addition to your checkout! By means of API integration, Flexible 3D Secure technology enables merchants to optimize security and increase revenue.

What is Flexible 3DS?

MultiSafepay now offers a flexible approach to 3D Secure which allows merchants to enable or disable 3D Secure verification at an API level. By either setting flexible 3D Secure to ‘On’ or ‘Off’ within the API, the merchant is able to be in control of who requires verification. As part of the 3D Secure protocol MultiSafepay offers both Dynamic 3D – and Flexible 3D Secure. By implementing MultiSafepay’s latest flexible 3D security layer; the merchant is able to gain control over whether credit card transactions require 3D Secure verification. As a result, merchants are able to reduce fraudulent chargeback, increase conversion and control acceptance rate.

Benefits of Flexible 3D Secure:

For years, using normal 3D Secure enabled merchants to reduce chargebacks. However, the technology was also prejudiced to negatively influence conversion. With the flexible 3D secure protocol, merchants are able to maintain high conversion. Based on the settings determined by the merchant, the transaction either requires 3D Secure verification or does not. As a result, the merchant gains control over:

  • Transaction security
  • Payment acceptance rate
  • Conversion rate
  • Fraudulent chargebacks

When the merchant has disabled the verification process, online customers are not required to verify themselves according to 3D Secure protocol. This has proven to have a positive effect on the conversion rate of a webshop. In contrast to this, when the merchant chooses to enable 3D secure the liability shifts to the card issuer. Meaning the card issuer takes responsibility for fraudulent chargeback. As a result, this shift of liability prevents the merchant from fraud and pressing fees that impact revenue.

The possibilities of flexible 3D Secure & Dynamic 3D secure are profitable, because it allows merchants to make fast adjustments, increase security, lower chargebacks while maintaining and optimizing the conversion of their webshop.

A solution for every platform

The strength of MultiSafepay lies within the fact that we offer our services with personal support and easy integration. By simply contacting one of your account managers or our support team; we help you to have a frictionless integration of our payment services and security solutions. It doesn’t matter if you are in possession of an API integration provided by MultiSafepay or a hosted solution (plugin); MultiSafepay has the right tools and instruments to flawlessly implement either Dynamic 3D Secure or Flexible 3D Secure.

Although MultiSafepay is able to deliver both security solutions, the two protocols show some significant differences. Dynamic 3D Secure is applied by our screening department and it allows the merchant to set specific rules for verification (e.g. amount of transaction, country involved). With Flexible 3D Secure it is a matter of either enabling or disabling 3D Secure verification. Next to this, Flexible 3D Secure is provided with our API integration, so merchants are able to make changes themselves.

Furthermore, when a card issuer decides to require 3D secure verification and this conflicts with Dynamic 3D settings, this will result in a decline of the transaction in order to maintain a safe payment environment.


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