How to get the most out of 3D-Secure (3DS) – A best practice guide for merchants

In today’s digital commerce landscape, fraud prevention and frictionless payments don’t have to be at odds. Yet many merchants still struggle to strike the right balance. Accertify’s latest 3DS Whitepaper breaks down how businesses can transform 3DS from a conversion killer into a strategic performance lever.

Unlocking the Full Power of 3D-Secure: Why Merchants Need a Smarter 3DS Strategy in 2026

3DS has evolved far beyond the traditional challenge flow. With richer data sharing, improved risk scoring, and underused features like Data Share Only and 3DS Method, merchants now have more control than ever. But unlocking this value requires intentional configuration — and a broader rethink of how 3DS fits into your fraud and payments strategy.

In this new white paper, you’ll learn:

• Why routing only high-risk transactions through 3DS harms authorization rates — and how a diversified risk profile fixes it.
• How sending richer data in 3DS messages dramatically improves issuer decisioning.
• The role of 3DS Requestor Challenge Indicators (3RCI) and 3RAI in signaling merchant intent and boosting frictionless performance.
• Why Data Share Only flows are helping merchants in the U.S. and beyond increase authorization success by up to 6%.
• The often-overlooked 3DS Method — and why enabling it unlocks more accurate risk assessments with zero customer friction.

Ready to elevate your 3DS performance? Download the full white paper to learn how leading merchants are using 3DS to reduce friction, improve authorization rates, and build trust with issuers — all while protecting customers more effectively.

3DS isn’t just a security protocol. It’s a collaborative ecosystem where better data, smarter signals, and aligned strategies lead to higher conversions and lower fraud. Accertify’s payment optimization solution can help with aligning your strategy to best practice.