Clover 3D Secure (3DS) is a cardholder authentication protocol designed to enhance the security of online card-not-present (CNP) transactions. By verifying the identity of the cardholder during the checkout process, it helps prevent fraud and reduces chargebacks.
Key Benefits
- Chargeback liability shifts to the card issuer for 3DS-authenticated transactions
- Reduction in fraud-related losses and dispute overhead
- Better cash flow through lower dispute losses
- Strengthens customer confidence in online transactions
- Enables secure acceptance of high-risk payments
Target Merchants
- Mid-market merchants processing a high volume of online/CNP transactions
- Restaurants with online ordering
- Subscription services
- Digital goods sellers
- E-commerce retailers
Use Cases
- E-commerce: Reduces fraudulent transactions and improves checkout confidence
- Subscription services: Authenticates initial payments to avoid misuse
- Restaurants: Secures online orders against fraud
- Digital goods: Protects from losses due to non-tangible goods fraud
Integration Options
- Direct enablement via the Clover dashboard
- Option to use existing third-party 3DS providers
- Works with Clover Online Ordering, Payment Links, Invoices, and Scan-to-Pay
- Simple setup and immediate activation upon enablement
Pricing
- $0.04 per 3DS authentication attempt
- Charges appear monthly via the Clover App Market
- Full reporting provided for reconciliation
Important Considerations
- Only fraud-related chargebacks are covered
- Not applicable to disputes like undelivered goods or poor service
- Available to North BE U.S. merchants only
- Every 3DS attempt is billable, including declined authentications
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