This service is designed for online merchants who need to reduce financial losses from fraudulent chargebacks, often called 'friendly fraud'. It implements advanced 3D Secure (3DS) protocols to authenticate customers during checkout, providing a strong defense against illegitimate disputes.

• 3D Secure Authentication: Integrates the latest 3DS technology to verify the cardholder's identity at the point of sale, creating evidence for transaction legitimacy.
• Liability Shift: For transactions successfully authenticated with 3DS, the financial liability for chargebacks shifts from the merchant to the card-issuing bank.
• Merchant Account Protection: Helps maintain a low chargeback ratio, which is critical for keeping your merchant account in good standing and avoiding penalties or termination.
• Automated Defense: Operates in the background to screen transactions, reducing the manual time and expense required to investigate and fight fraudulent claims.
• Frictionless Checkout: Implements the protocol in a way designed to minimize disruption for legitimate customers during the payment process.