3-D Secure
How Paytrim authenticates card payments with 3-D Secure 2
3-D Secure lets the card issuer authenticate the cardholder during an online card payment. When authentication succeeds, the liability for fraud-related chargebacks usually shifts from you to the card issuer.
Paytrim supports 3-D Secure 2 and handles it for you: the data exchange with the card schemes, the redirects and the result. You don't need a separate 3-D Secure integration.
Frictionless and challenge flow
The card issuer decides, based on the transaction data, which of two flows applies:
| Flow | What your customer sees |
|---|---|
| Frictionless | Nothing. The issuer authenticates the payment in the background. |
| Challenge | The issuer's authentication page, for example to approve the payment in a banking app or enter a one-time code. |
You don't choose the flow. The more complete the customer data in your order, such as name, email address, billing address and IP address, the more likely the issuer applies the frictionless flow.
With the hosted payment page, authentication is part of the payment page.
While your customer is authenticating, the transaction has the status pending. Afterwards your customer returns to your return_url. Always confirm the result with a status request or a webhook.
To test both flows, see Test data.