Bypass 3DS

Introduction

3D Secure (3DS) is an additional security layer for online card transactions designed to protect merchants and cardholders from fraudulent activities. When enabled, the cardholder is prompted to authenticate the payment through their card issuer, commonly done via:

One-Time Password (OTP)
Biometric verification (Fingerprint/Face ID)
Bank Mobile App / Token Authentication

This verification happens during the final stage of the payment processing.

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Default Behavior
By default, 3DS is enabled for all payments on MyFatoorah.
If you want to control enabling/disabling 3DS per payment, you must check with your Account Manager

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Integration Availability
Controlling 3DS behavior requires using the Embedded Integration.

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Approval Needed
Kindly contact your account manager to check the availability for enabling Bypass3DS feature.

How It Works

To control 3DS behavior, include the 3DS object in your Session Initiation request or Create Payment:

"3DS": {
       "Enabled": true
 }

Behavior Based on 3DS value:

Value	Result
`"Enabled": true`	The user will complete the OTP / authentication step before the payment processing.
`"Enabled": false`	No authentication step. You will receive payment details directly after the transaction.

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Fastpay
Fastpay is different from Bypass3DS where Fastpay will always bypass the OTP page for a saved or tokenized card that is 3DSVerified before. Fastpay overrides bypass3DS.