- Contactless Payments at Point of Sale: While 3DS excels in securing online payments, it may not activate for in-person contactless transactions at the point of sale.
- Trusted Beneficiaries: If a customer frequently transacts with a trusted vendor and marks them as a trusted beneficiary, 3DS might not activate for subsequent transactions to enhance user convenience.
- Recurring Transactions: For subscription-based services or recurring payments, 3DS may not activate after the initial authentication to provide a smoother experience for regular transactions.
- Low-Value Transactions: In some cases, 3DS may not be triggered for low-value transactions to balance security with user experience, ensuring a hassle-free checkout for smaller purchases.
- Secure Corporate Payments: Certain corporate cards may be exempt from 3DS authentication if they are deemed secure and low-risk, facilitating efficient business transactions while maintaining security standards.
3D Secure (3DS)