Force 3D secure for USA Shop Pay or change to alternative.

[Alexw2]

Hi, is there a way to force Shop Pay to use 3D Secure on ALL orders in the USA?

According to the documentation, Shop Pay only uses 3D secure if the card issues require it and that practically never happens. Now I've had dozens of high-risk orders and chargebacks which could be avoided if I could force Shop Pay to always use 3D.

If it can't do it then is there an alternative payment gateway where I could force this? Thanks.

[Beacon-Jason · Accepted solution]

Hi @Alexw2  

Unfortunately, you cannot force 3D secure on all orders since each major credit card network works differently on when 3D secure is enabled for a particular order. The main reason is for card issuers to balance the fraud rate while reducing checkout friction. Otherwise, you will see a lot of turned down orders. 

The following is a small section of the 3D secure documentation protocol from CardinalCommerce, which I've pasted below on this particular topic.

"Each network has its own program operating rules and procedures; actual use case scenarios relating to liability shift vary. Merchants and issuers are advised to contact their acquirers, processors or payment networks for additional information. By securing remote commerce with EMV 3DS authentication, higher authorization approvals may also result, since the issuer is able to see the transaction before it comes for authorization. Each network may have different statistics on authorization approvals, and they can vary by region, country, or even merchant category code or vertical. However, improving card approval rates and avoiding false declines for remote commerce are goals that benefit everyone, including the consumer.

In the U.S., payment networks anticipate that over 90 percent of authentication requests may result in a frictionless experience for the consumer and can be attributed to risk-based authentication application by the Access Control Server. Payment networks anticipate a challenge and issuer engagement with the cardholder to be less than 10 percent of the time."

Original Source: US Payments Forums which got their source from CardinalCommerce

I hope this explains things. 

[Alexw2]

Thanks, so basically there are no such gateways for the USA. Man, I wish the USA would just follow the EU where 3DS is mandatory and works flawlessly. It's like the US operators just want to let fraudsters through to make more money.

[GroovyComputers]

there are, just change country to india, enable stripe and then change it back to USA, also disable Apple/Google/Samsung Pay