HiTRUST has extensive experience helping customers enroll in 3-D Secure programs across all major card schemes.

Our dedicated experts will guide your team through the enrollment process, setup requirements, and certification.

What happens if I don't use 3-D Secure?

Merchants may choose to take advantage of the benefits of 3DS, including liability shift protection. It means that when an issuer authenticates an e-commerce transaction, they are confident that the rightful owner initiates the transaction and if the transaction turns out to be fraudulent, they will take responsibility for the fraud. Conversely, if the merchant sends a transaction without 3DS, the fraudulent liability falls to the merchant.

Issuers are mandated for 3DS. In some cases, if an issuer is not participating in the 3DS, the directory server (DS) operated by the card schemes will step in and bypass the authentication. However, the liability remains with the issuer.