Adyen will gradually enable the 3D Secure 1 (3DS1) configuration for Mastercard, Visa, JCB, Amex, Diners and Discover for all merchants starting June 7th and finalizing the full rollout by June 14th, 2021.
1) What are we changing?
We are enrolling 3D Secure 1 for payment methods: Mastercard, Visa, JCB, Amex, Diners and Discover . We are making this change in 3D Secure 1 configuration for payment methods that are settled by Adyen.
The configuration change will not impact transactions performed through point of sale terminals.
2) Why are these payment methods changing?
Previously the process of enrolling your payment methods with 3D Secure 1 was performed on request for each card brand.
The 3D Secure 1 enrolment by default gives you the opportunity to apply 3D Secure 1 from the moment card payment methods are set up, without the need for Support, allowing faster, seamless set ups for new payment methods.
This also reduces the need to track 3D Secure 1 enrolment and enablement for each payment method. It gives you full control to set up 3D Secure in your preferred way with Dynamic 3D Secure and allows you to mitigate high-risk transactions and fraud attacks, which can be extremely impactful for your business and for Adyen.
3) Am I in scope of the 3D Secure enrolment by default?
Answer the questions below to determine if you are within the scope of this change:
- Do you process E-commerce transactions?
- Do you support any of the following card brands without 3D Secure: Mastercard, Visa, JCB, Amex, Diners or Discover with Adyen?
If you answered YES to both questions, you will need to take action, EXCEPT payments processed through the following connections:
- Mastercard US Debit
- Visa US Debit
- Visa Brasil
- Mastercard Brasil
- Discover US
- Discover Canada
4) What can I expect as of June 7th, 2021?
This depends whether your integration is currently using 3D Secure or not. To help you determine that, you can use our article: Is my integration using 3D Secure?
5) If my integration is not using 3D Secure, how can I be ready for this change?
If your integration is not using 3D Secure, this can have significant impact. For that reason we created a step by step procedure to make sure you can mitigate the impact.
- We recommend setting your Dynamic 3D Secure settings to Prefer Not so 3D Secure is not applied, unless the issuing bank requires it. This can be done via the Customer Area when you log in to your account and navigate to Risk > Dynamic 3D SecureOnce you are on the 3D secure rules page, you can select Prefer Not and click on Save RuleWith this configuration, 3D Secure is not applied, unless the issuing bank requires it.
- We recommend implementing 3D Secure for the cases where the issuing bank requires it. If you implement 3D Secure, make sure to reach out to support again to allow applying 3D Secure on your account.
6) If my integration is using 3D Secure, how can I be ready for this change?
If your integration is using 3D Secure, you can expect 3D Secure for card transactions that previously did not trigger 3D Secure.
You can personalize when 3D Secure is triggering by updating the configuration of the Dynamic 3D Secure rules set on each of your payment methods. This can be done via the Customer Area when you log in to your account and navigate to Risk > Dynamic 3D Secure
Once you are on the 3D secure rules page, you can click on Create new rule
The below example shows how to set up a Dynamic 3D Secure rule to skip 3D Secure for a given payment method (diners, in this example), when the issuing bank allows it:
The above example indicates a preference to skip 3D Secure rather than an instruction, as in some regulated areas, such as the EEA, regulation forcing Strong Customer Authentication is at the discretion of the issuing banks.