When paying by credit card, your payment is processed securely. As part of this process, your bank may require the cardholder to verify and approve the payment using 3D Secure.
This is especially important if you're trying to pay with a card that has another person registered as the cardholder.
📖 This guide explains:
What is 3D Secure?
3D Secure, or 3DS, is an additional security layer for online credit card payments.
Its purpose is simple: to help the bank verify that the person making an online payment is authorized to use the card.
This helps protect both cardholders and businesses against fraudulent card use.
What’s the process for 3DS?
If 3DS is triggered by your bank, this is the process for completing the payment:
Checkout: You enter card details.
Verification prompted: The bank triggers an authentication step for the cardholder, for example…
an SMS one-time password (OTP)
a push notification in an app
use biometrics (Face ID or fingerprint)
Verification complete: The cardholder confirms their identity using the prompt.
Authorization: Once the bank has verified the identity of the card holder, the transaction is authenticated, authorized and completed.
If the verification prompt is declined or expires, the payment will not go through.
That’s why, if you’re paying with a card which has someone else (your manager, finance department, etc.) registered as a cardholder, you should:
Ensure that the cardholder is aware of the transaction and available, so they can complete the verification step.
In general, a failed payment could be due to wrong card details, an expired card, insufficient funds etc., but if everything seems to be in order, and the payment still won't go through, an incomplete or unsuccessful 3DS may be the cause.
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