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Glossary·
Minsk · WarsawHire us
3-D Secure
The additional cardholder verification step at checkout — a bank confirmation in an app or by code — which also shifts liability for fraud from the merchant to the issuer.
Why it matters
It is mandatory for most European payments under strong customer authentication rules, and it is a real conversion cost: every extra step loses buyers.
How we approach it
We implement 3DS with exemptions applied where the rules allow, keep the challenge inside the checkout flow rather than a jarring redirect, and monitor approval rates per issuer.
