Risk management

On eligible disputes, Seller Protection put a temporary hold on transaction funds, but they never leave your merchant account. Upon receiving required documentation, the hold is released and the funds are once again available in your account.²

3D-Secure is the secure protocol designed to ensure enhanced security and strong authentication when you use your debit or credit cards for online purchases. It may also be referred to – depending on the network – as Mastercard ID Check, Verified by Visa, or American Express SafeKey. 3D Secure allows card issuers to complete either frictionless authentication of the cardholders, or request a challenge (or two-factor authentication) to verify their identity or meet their compliance requirements. The method by which the banks verify their customers identity (for example, an SMS One-time password or biometric authentication) is determined by them and established with their cardholder.

• Help Increase security: 3D Secure adds an extra layer of security to online transactions by requiring cardholders to authenticate themselves using a password or biometric information. This helps reduce the risk of unauthorised transactions and chargebacks, protecting both the business and the customer.
• Help reduce fraud liability: By using 3D Secure, businesses may shift the liability for certain types of chargebacks related to fraudulent transactions to the card issuer. This can help protect businesses from financial losses due to fraudulent activities.
• Compliance: Cardholder authentication is mandated in several regions, and 3D Secure helps card issuers to meet these requirements.

PayPal offers the latest 3DS solution for you and your buyers. For more information please visit the Developer Docs or contact sales.