3DS fallback
Ensure transaction continuity even when 3D Secure 2.0 is unavailable or encounters issues. Cardflo's 3DS fallback mechanism automatically switches to 3DS 1.0, preventing declines that would otherwise occur. This maintains transaction flow and secures revenue for merchants.
What you get.
- Automatic detection of 3DS2 failures or unsupported environments
- Seamless redirection to 3DS1 for uninterrupted authentication
- Maintains compliance with SCA requirements across different scenarios
- Reduces technical declines related to 3DS version incompatibility
- Ensures broad compatibility with various issuer and acquirer systems
- Minimises customer frustration by preventing payment failures
Common questions.
What is 3DS fallback?
3DS fallback is a mechanism where, if a transaction cannot be processed using 3D Secure 2.0, the system automatically reverts to using 3D Secure 1.0. This ensures that the transaction can still be authenticated and completed, preventing a decline.
Why is 3DS fallback important?
3DS fallback is crucial for maintaining high authorisation rates, especially during the transition period to 3DS2. It mitigates issues with issuers or customer devices that may not fully support 3DS2, ensuring transactions are still processed securely and compliantly.
Does 3DS fallback impact security?
While 3DS1 offers a different user experience, it still provides a layer of security and helps meet regulatory requirements for Strong Customer Authentication (SCA). The fallback mechanism ensures that a secure authentication method is always applied when needed.
Related features.
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