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3DSecure - Anti fraud app

Updated

In this article:

Overview & Benefits

3DSecure (3DS) is a payment standard set up by international credit card companies to reduce fraud. This service protects online purchases by requiring the cardholder to validate the transaction using a one-time personal code (usually sent via SMS).

Key Benefits:

  • Fraud Protection: Reduces the risk of "Card Not Present" fraud.
  • Chargeback Protection: Cardholders cannot chargeback 3D Secure transactions (claiming "I didn't do this"), except in cases where goods were not supplied.
  • Operational Profit: Improves profit by reducing merchandise loss and minimizing time spent on disputes.
 

Automatic Activation of 3DS for High-Risk Transactions

Following updates to international clearing policies, PayMe automatically activates Strong Customer Authentication (3D Secure) for specific high-risk scenarios.

The service is automatically active for:

  • All transactions over 499 ILS (or foreign currency equivalent).**
  • All transactions made with a credit card issued abroad.
  • All transactions made with more than 3 installments.

Please Note: Merchants with a high chargeback ratio in the last 30 days will be required to activate 3DS for all transactions starting from 30 ILS.

The Transaction Process

  1. The customer enters payment details on the checkout page and clicks "Pay".
  2. The customer is redirected to a verification page to enter a code. Simultaneously, the credit card issuer sends an SMS containing the 6-digit code.
  3. The customer enters the code: 

    Code Verification Page
  4. Validation:
    • If there is no match, the buyer is asked to enter the code again.
    • If the code matches, the system attempts to complete the transaction normally (checking balance, CVV, etc.).

Examples of verification pages (determined by the card issuer):

Visa Cal
Visa Cal 		MAX (Leumi Card)
MAX 		Isracard
Isracard

How to Activate the Service

  1. From your PayMe admin dashboard, go to Apps Marketplace.
  2. Look for the Fraud prevention and security category, find 3D Secure, and click Setup. 
    App Store Setup
  3. Click Activate app and agree to the Terms & Conditions. 
    Activate App
  4. A green popup message will appear confirming the request. 
    Success Message

Note: The process of connecting a business to the service may take up to 3 business days. You will receive an email once successfully connected.

Important Notes

  • Status Check Before Shipping: Merchants wishing to mandate 3DS as a condition for shipping a product must verify after the transaction that the 3DS indication indeed appears. This can be checked manually in the dashboard or automatically via API using the 3DS status parameter.
  • Character Limit: The service allows up to 255 characters (including spaces) in the sale description.
  • Card Brands: The service is active on Visa, MasterCard, and American Express brands.
  • Hosted Fields: If your website uses Hosted Fields, verify the 3DS library implementation.
  • ** If you wish to apply 3DS automatically for amounts lower than 499 ILS, please contact our support team.

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