This powerful feature helps ensure that the person entering the card is the legitimate cardholder—reducing the risk of fraud and unauthorized transactions.
🔐 What is Cardholder Verification?
Cardholder Verification is an added layer of security that authenticates the identity of the cardholder before a payment is even attempted. It ensures that the card was entered by the actual owner—regardless of whether or not the card is charged.
💡 Key Benefits
Fraud Prevention: Greatly reduces the risk of fraudulent transactions.
Peace of Mind: Even when cards are stored as guarantees or not charged, you can be confident in the identity of the cardholder.
📌 Important to Note
For some payment gateways, external 3DS data (i.e., verification done outside of the gateway’s flow) is not accepted for liability shift purposes.
This means:
You can still verify the cardholder using 3DS through ChargeAutomation.
However, liability shift may not apply, since the payment gateway didn’t perform the 3DS check itself.
Despite that, because the transaction was verified, the risk of fraud or chargeback is still significantly reduced—which is the original purpose of the liability shift.
🧾 Use Cases
Collect card details as a guarantee without charging — and still verify the cardholder.
Authenticate every transaction before processing payments.
Improve guest trust and reduce risk of disputes.
✅ Summary
ChargeAutomation enables cardholder verification as an added layer of protection
While liability shift depends on the specific gateway’s support for external 3DS, the added fraud protection is universal.
To enable Cardholder Verification, follow these steps: