Identifying priorities when it comes to actions
An order of priorities is defined among certain actions:
- The Refuse a transaction action has priority over the action Manual validation.
- The action Enable 3D Secure cancels such actions as Disable 3D Secure.
Note:The Advanced risk assessment feature allows:
- to Disable 3DS when 3DS is enabled by default,
- to Enable 3DS when 3DS is disabled by default.
Other actions can be combined, for example: Raise an alert, Enable 3D Secure and Manual validation.
Note concerning 3D Secure
The 3D Secure service allows to reduce the risk of chargebacks, thanks to the liability shift of the merchant to the cardholder’s bank (see § 4.2 for more details).
The selective 3D Secure can be used in addition to the risk module .
It offers the merchant the possibility to make the necessary adjustments to the settings and make operations that he or she does not wish to subject to the 3D Secure program, based on selected criteria (e.g.: transaction amount, postal address of the client, e-mail address of the client, client reference, etc.).
The passed parameter has priority over the decisions of the risk assessment module.
Note: Selective 3DS cannot operate if the merchant has opted out from the 3D Secure program.
Moreover, the Selective 3DS feature cannot be used with AMEX cards (in case of suspicious activity of the card or depending on the amount or the type of the item, etc).
AMEX reserves the right to perform strong authentication.