![]() ![]() Enabling this rule prompts the customer for 3D Secure authentication when Stripe believes that 3D Secure authentication can take place with minimal impact on conversion rates. Automatically prompt the customer for 3D Secure authentication if the card recommends 3D Secure.Request 3D Secure if 3D Secure is recommended for card.Be aware that this additional requirement may decrease conversion rates. Use this rule instead of the previous one if you want to maximize the number of payments that have liability shift.Enabling this rule prompts the customer for 3D Secure authentication as long as their card supports it. Disabled by default but similar to the previous rule.Request 3D Secure if 3D Secure is supported for card.Some card issuers may decline the payment if 3D Secure isn’t used when the customer’s card requires 3D Secure authentication.Automatically prompts the customer for 3D Secure authentication if the card requires 3D Secure.Request 3D Secure if 3D Secure is required for card.When using Payment Intents or Setup Intents, Stripe provides three default rules to dynamically request 3D Secure: This means that in most cases, the merchant won’t be responsible for fraud costs on 3D Secure authenticated payments. If 3D Secure authenticates a payment, the liability for any fraud-related disputes for that payment typically shift from the merchant to the issuer. Using 3D Secure prompts customers to complete an additional authentication step before they can complete the purchase flow. Learn more about using 3DS with Stripe Billing. Built-in rules to request 3D Secure Can I use 3DS rules with Stripe Checkout or Stripe Billing?īecause Stripe Checkout and Stripe Billing use PaymentIntents internally, the information in this section also applies to payments created through these products. You can enable or disable it any time using the Stripe Dashboard. This rule may not be enabled for your account by default. If the customer’s card issuer doesn’t support its verification, the rule can’t block the payment. Stripe blocks payments when they fail a card issuer’s postal code verification or when one isn’t provided. If the customer doesn’t provide the CVC number, or their card issuer doesn’t support its verification, the rule can’t block the payment. Stripe blocks payments that fail a card issuer’s CVC verification check. ![]() In cases where you create the card and customer together, CVC or postal code validation failure prevents the successful creation of the customer record. These rules also apply to the card validation process that occurs when adding a card to an account. These rules can be enabled or disabled using the Stripe Dashboard. Stripe has built-in rules so you can block payments even if they’ve been approved by the card issuer. In some cases, a card issuer may still approve a payment they consider legitimate, even if the CVC or postal code verification check fails. This is because card issuers take many signals into account when making a decision about whether to approve or decline a payment. Traditional card checksĪ payment can still be successful even if the CVC or postal code check fails. The default behavior for Stripe Radar for Fraud Teams is to place payments into review that we suspect have an elevated risk of fraud. Review if Stripe evaluates the payment as elevated risk This rule is enabled by default for users of Radar or Radar for Fraud Teams. The rule blocks and won’t process payments with a high risk of fraud. Stripe Radar and Stripe Radar for Fraud Teams provide a set of default rules based on the judgments of our machine learning models, which are:īlock if Stripe evaluates the payment as high risk Built-in rules Machine learning risk checks
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