Help prevent unauthorized use
Give the card issuer transaction, device and customer context to help assess whether the person paying is the legitimate cardholder.
3D Secure
Help the cardholder’s bank verify an online purchase with 3D Secure. Share payment context, support background authentication and add a customer check when the issuer requires it.
Give the card issuer transaction, device and customer context to help assess whether the person paying is the legitimate cardholder.
A frictionless authentication can complete in the background. The customer takes an extra step when the issuer requests a challenge.
Qualifying transactions may shift liability for certain fraud disputes from the merchant to the issuer, subject to network rules and processing requirements.
Inside the checkout
An authentication request carries available purchase, cardholder and device information to the issuer. That context helps the bank decide whether it needs the customer to do anything else.
The issuer can verify the cardholder from the available context. Authentication happens in the background, without asking the customer to complete a challenge.
The issuer asks for a one-time code, banking-app confirmation or another supported method. The customer completes the check and returns to the payment flow.
The card issuer determines the method and whether a challenge is needed.
A successful 3D Secure check helps verify the cardholder. The issuer then makes a separate approval decision based on the payment and account conditions. An authenticated payment can still be declined.
Fraud disputes
For qualifying transactions, 3D Secure can shift liability for certain unauthorized-payment disputes to the card issuer. Correct authentication and processing are part of that protection.
Explore managed chargebacksThe authentication result, network rules and processing requirements determine the applicable protection. Simply enabling 3D Secure does not protect every payment.
Delivery issues, service complaints, cancellations and missing refunds remain distinct dispute situations. Clear policies and proof of what was agreed and provided still matter.
Configured around your business
GYB Connect helps map the customer journey, available payment channels and handling of authentication results before implementation.
Review the customer-facing payment page, the information available to the issuer and the return from a challenge on desktop and mobile. A supported payment link enables authentication through its connected payment page.
Explore payment linksUse transaction signals to understand what needs attention, and issuer authentication to verify the cardholder. They serve different roles in a coordinated payment policy.
Explore Transaction Risk ScorePlan for frictionless results, completed challenges, cancellations and timeouts. Our team can help connect the supported flow to your systems and review its behavior before launch.
Explore development & integrationsReview your online payment channels, customer experience and 3D Secure configuration with GYB Connect.
Available configurations, eligibility and service terms are confirmed in your proposal.