01 | The risk profile problem
Sending only high-risk transactions through 3DS teaches issuers to distrust the protocol entirely. The fix is broadening your transaction mix - and the authorization rate improvement, when you do, is immediate.
How to Get the Most Out of 3D-Secure (3DS)
When you route only your riskiest traffic through 3DS, issuers treat every transaction as suspicious, and decline rates follow. This guide shows you what to fix, and why it's simpler than you think.
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A technical guide for fraud and payments teams ready to get full value from 3DS - not just compliance.
Your 3DS Setup May Be Quietly Working Against You.
02 | The 6% you're not capturing
Data Share Only flows let U.S. merchants route medium-risk transactions through 3DS for better issuer intelligence and up to 6% auth uplift - with zero friction or challenge risk.
03 | Who holds the fraud liability
The 3RCI field isn't just a technical setting: it determines where liability lands when fraud happens. Master the framework and make sure it's always pointing in the right direction.
About Accertify
Accertify, Inc., is a leading unified risk decisioning platform provider, spanning fraud prevention, chargeback management, account protection, abuse prevention, and payment gateway solutions to clients spanning diverse industries worldwide. Accertify’s suite of products and services protects digital commerce, helping clients grow their business by driving down fraud-related losses, simplifying business processes, all while upholding the consumer experience.
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