For credit and debit card payments, fraud prevention tools include authentication to reduce identity fraud. This is commonly referred to as 3D Secure or 3DS, and usually requires the cardholder to enter a One-Time-Password (OTP) sent to their phone by the issuing bank. While this increases the security of online payments, it also introduces friction during the payment process and may cause certain payments to fail.
Find out more about how you can increase acceptance rates while managing risk here. Xendit customers can now easily request for your credit and debit card payments to skip 3DS or to have it dynamically initiated, directly from your dashboard.