This article applies only to customers using the AbodePay payment solution. If you are using a different payment provider, some steps or settings described here may not apply to your account. 


When a customer processes a payment via a Pay Link, they may be prompted with a 3D Secure (3DS) authentication screen. This is an additional security layer that requires the cardholder to verify their identity, typically by entering a one-time code sent via SMS or approving the transaction through their banking app. 


Benefits of 3D Secure:

  • Prevents fraudulent transactions: even with stolen card details, the actual cardholder must approve the transaction.
  • Shifts fraud-related chargeback liability away from you to the card-issuing bank. (Note: 3DS does not protect against non-fraud disputes, such as "goods not received" or "not as described."
  • Think of it as an "online PIN" for credit cards.