3D-Secure for high-risk payments: Webinar Q&A

The webinar on 3D-Secure for high-risk payments discussed various aspects of 3DS implementations, including its impact on approval rates and the differences in how European and US issuers handle transactions. While data-only transactions don't significantly enhance approval rates, they provide valuable fraud intelligence. The 3RI (3DS Requestor Initiated) process is beneficial for recurring transactions, though its success rates in the US are generally lower than in the EU. Standalone 3DS solutions offer advantages over acquirer-provided solutions, such as consistent user experience and greater flexibility, while issuers require accurate merchant data for effective fraud prevention. Although the effectiveness of 3DS varies by market, with higher success in Europe, the US is expected to improve as the system becomes more widely adopted. For high-risk merchants, the correct Merchant Category Code (MCC) must be used to maintain liability shift protections under 3DS.

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