How can I enable 3D Secure payments in New Zealand?

Payments + Shipping & Fulfilment

Topic summary

A merchant in New Zealand is seeking to enforce 3D Secure authentication for all transactions after experiencing fraud incidents where CVV and address verification were not requested.

Current Issue:

  • Despite enabling CVV requirements in Shopify Payments, transactions proceed without verification
  • NZ banks claim they support 3D Secure, but it must be requested by the merchant/gateway
  • Shopify’s system response indicates 3D Secure and CVV checks are “always on” but only trigger when the issuing bank supports and requires them

Key Contradiction:
The merchant’s bank states that NZ major banks offer 3D Secure and merchants must actively request it, conflicting with Shopify’s explanation that verification is automatic but bank-dependent.

Suggested Solutions:

  • Switch to Stripe payment gateway and use Radar rules to force 3D Secure on every transaction
  • This approach shifts fraud liability from merchant to bank
  • Alternative: Integrate Stripe with third-party solutions for multi-currency support

Status: The discussion remains open regarding how to guarantee verification on all transactions through Shopify Payments specifically.

Summarized with AI on November 3. AI used: claude-sonnet-4-5-20250929.
3

Thanks for the info

It is actually contradicts what one of the main NZ banks that issues cards has told me.

They have said that the main banks in NZ offer 3D secure and it is up to the merchant to request via the gateway that 3D secure is used.

In the fraud examples we had, which were with NZ credit cards from main banks, Shopify didnt seek verification of the CCV or address information. Nor was 3D secure requested.

So does Shopify initiate 3D secure and other verification steps in every case?

I want the comfort of knowing that transactions have been verified, how do I get this initated

thanks

Kent