Payments that have been successfully authenticated using our 3D Authentication are covered by a liability shift. Should a 3D Authenticated payment be disputed as fraudulent by the cardholder, the liability shifts from you to the card issuer. These types of disputes are handled internally, do not appear in the Dashboard, and do not result in funds being withdrawn from your account.

What Happens If Fraudulent Transaction Occurs

In the case of a fraudulent transaction, it becomes authenticated through 3D Secure, the liability will shift to the acquirer. In short, you are protected against misleading chargebacks since the liability is transferred.

Customer Experience

If you have Chargeback Protection enabled in ChargeAutomation, we require the customer to complete an additional verification step with the card issuer when paying.

Customer will be prompted (for on-session payments) or emailed a link (for off-session) to complete an additional authentication step before they can complete the purchase flow. If a payment is authenticated, the liability for any fraudulent dispute that occurs on that payment is typically shifted from the merchant to the issuer. This means that in most cases, the merchant will not be responsible for fraud costs on authenticated payments.

How Does A Transaction Become Authenticated

3D Secure Authentication is additional layer of protection provided by the card issuer. 3D Authentication takes over 150 data elements in order to make a decision.

These data include Device Fingerprinting, System language, country and time zone, Transaction Type, Cardholder Account Information, Cardholder Address


Low-value transactions - for transactions under 30 EUR


There are certain circumstances where payments that are successfully authenticated using 3D Secure do not experience a liability shift. This is rare and can happen, for example, if you have an excessive level of fraud on your account and are enrolled in a fraud monitoring program

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