02Our 3D Secure Process
From Gateway Review to Risk-Based 3D Secure Authentication
You see which orders will trigger a challenge before we switch anything on.
05Projects We've Built
Ecommerce Projects We Have Built
A selection of Shopify and ecommerce builds shipped for clients, the kind of stores where 3D Secure credit card checks reduce fraud losses.
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We had a different kind of problem. People were visiting the store, adding products to their carts, and then disappearing before they finished the order. We had tried a few apps and made changes here and there, but nothing really seemed to solve the bigger issue. The team went through the shopping experience with us and pointed out things we hadn't really noticed ourselves. They cleaned up the cart and checkout flow, made the mobile experience much smoother, and helped us make the store feel easier to shop. I’m not going to pretend we fixed everything overnight, but it finally feels like the store is helping the sale instead of getting in the way of it.
Ethan Parker
Founder of Elite Academy
The mobile experience is probably my favourite part of the new site. We had spent a lot of time making sure the desktop version looked right, and the team kept pushing us to think about how everything would actually feel on a phone too. They were right. The navigation is clean, the interactions feel natural, and everything we’ve tested so far works exactly as it should. They also went through the links, forms, integrations, and other details more than once before launch, which I really appreciated. And even after going live, we could still reach out when something came up. The whole process felt friendly, organised, and surprisingly straightforward.
James Whitmore
Head of Marketing of Lumen Outdoor
We had a pretty specific idea of what we wanted our website to become, but I wasn’t sure how easily we could explain all of it to a development team. There were quite a few moving parts, and we were working toward a deadline, so I expected a few things to get lost along the way. That never really happened. They understood what we were trying to achieve, kept us updated throughout the process, and got everything ready within the agreed timeline. The final site feels much easier to navigate, works beautifully on mobile, and is noticeably smoother for our customers. It was a huge relief seeing the original idea actually turn into the website we had in mind.
Michael Bennett
Founder & CEO of Northbridge Consulting
07Work Culture
Why Merchants Trust Us With 3D Secure
Challenging every customer hurts sales, so we only challenge the orders that are actually risky. These are the habits we bring to 3D Secure authentication.
Frictionless for good orders
Low-risk buyers pass straight through.
Challenges for risky ones
Only genuinely risky orders face extra checks.
Liability shifted
Successful authentication moves chargeback liability to the issuer.
Gateway-specific
We adapt to Shopify, Stripe or your gateway.
Tested with real cards
We test the flows before launch.
Conversion watched
We check that checkout still converts well.
08Overview
What is 3D Secure, and when does it pay for itself?
Authenticating a payment through 3D Secure shifts chargeback liability for fraud from your business to the card issuer, for both frictionless and challenge flow, though an SCA exemption on the frictionless path forfeits that protection. Low-risk transactions pass frictionlessly, higher-risk ones get a challenge, avoiding the conversion drag of older 3DS1. We configure it to apply dynamically to high-risk orders only. Starts from $1,500.
- Service
- 3D Secure 2 implementation (frictionless/challenge flow, risk-based rules)
- Starting price
- From $1,500
- Typical timeline
- 1-4 weeks depending on gateway
- Platform
- Shopify, Stripe, or any payment gateway supporting 3DS2
- Built with
- EMV 3DS2 protocol, risk-based authentication rules
- Experience
- 10+ years and 250+ shipped projects
- Post-launch support
- Ongoing maintenance retainer or one-time handoff
- Communication
- Calls in US, UK, and AU business hours
Who it's for
Stores wanting chargeback liability shifted to the issuer
You're absorbing fraud chargeback losses that 3D Secure authentication would shift to the card issuer instead.
Stores worried 3D Secure will hurt conversion
You've held off on 3D Secure because of the friction the older version added at checkout.
Stores wanting to apply 3DS only to risky orders
You don't want every customer challenged, just the transactions that actually carry risk.
Stores seeing failed 3D Secure authentication
Legitimate customers are failing the authentication step and abandoning checkout.
Stores deciding when 3D Secure pays for itself
You want to know whether the setup cost is worth it given your fraud and chargeback rate.
Not a fit for
You need broader fraud prevention beyond a single authentication protocol. Our Ecommerce Fraud Prevention Services page covers the full stack.
You want to prevent chargebacks generally, not just implement the specific 3D Secure protocol. Our Chargeback Prevention Services page covers the broader approach.
You need address verification set up instead, not cardholder authentication. Our AVS/Address Verification Setup page covers that.
09Pricing
Transparent Starting Prices for 3D Secure Implementation
These are starting points in USD. Your final price depends on how many gateways you need covered, and you get a fixed proposal after scoping.
11The Right Technology for Your Project
Technology Stack
We implement 3D Secure 2 authentication on Shopify, Stripe and other payment gateways with risk-based rules.
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What is 3D Secure?
3D Secure is an authentication protocol that verifies a cardholder with their issuing bank at checkout, shifting fraud chargeback liability to the issuer when the transaction is authenticated.
When does 3D Secure pay for itself?
It pays off once your fraud chargeback losses exceed the small conversion friction it adds, which is why we apply it selectively to higher-risk orders rather than every checkout.
Does 3D Secure hurt conversion?
The older 3DS1 added noticeable friction, but 3DS2 lets low-risk transactions pass frictionlessly with no extra step, only higher-risk transactions get a challenge.
How do I configure 3D Secure on Shopify, Stripe or another gateway?
We set up the 3DS2 integration on your gateway and configure the risk rules that decide which transactions go frictionless versus challenge.
How does 3D Secure shift chargeback liability?
Authenticating a payment through 3D Secure shifts liability for fraud chargebacks from your business to the card issuer, whether the transaction went through frictionless or challenge flow.
Can I apply 3D Secure only to risky orders?
Yes, we configure it to apply dynamically to high-risk transactions rather than requiring it universally, balancing security against checkout friction.
How much does 3D Secure setup cost?
Starts from $1,500, scaling up depending on your gateway and how much risk-based rule configuration you need.
How do I fix failed 3D Secure authentication?
We review your risk rules and gateway configuration, since a high failure rate often means the challenge flow is triggering for transactions that should pass frictionlessly.