IRP Commerce Cloud 3D Secure 2 (3DSv2) Ready Ahead of Time
‘Connecting People, Data & Profit’ reflects IRP’s £50 million commitment to technology investment. As part of our ongoing commitment we continue to invest in customer payments. IRP Commerce Cloud now supports secure card payments with 3D Secure 2 (3DSv2).
Detailed Payment Tracking Now Available in IRP Trading Terminal
Payment is an increasing complex area and IRP has invested in exposing the full details of each payment. Payment Tracking presents success, declined and failed details for each payment method and processor. Payment Tracking is now available in the IRP Trading Terminal.
How does the switch to 3DSv2 affect Chargebacks
All IRP merchants who use Global Payments are by default set up to accept 3DSv2.
There are some changes in the Payment industry coming into force on the 14th October 2022.
3DS v.1 is being discontinued on 14 October 2022, meaning that from this date Visa and Mastercard will start rejecting 3DS 1.0 requests.
From this date if a transaction is not 3DSv2 but it is accepted it will come through as not enrolled.
Very similar to how orders come through today that are not 3DSv1/2 verified.
On these orders there is no chargeback protection and if the order turns out to be fraudulent the risk sits with you the merchant.
As part of the IRP 8.5 release you have a new setting against a shipping country that allows you to set whether you accept non 3DS transactions on a country by country basis.
To enable at shipping country level:
1. Go to Shipping Countries and click edit on the country you want to update.
2. Enable the ‘Disallow Not Enrolled 3D Secure Orders.
By enabling this for the specific country only 3DSv2 transactions will come through.
We anticipate the majority of banks in the UK and Europe will be 3DSv2 ready as it has been around for 12 to 18 months, there is uncertainty in the likes of the USA and Rest of World if they are ready for this.
If you have a low level of fraud at the moment our suggestion would be to leave off for now and monitor orders closely for the next few weeks.
Contact your Customer Success Manager if you have any questions on whether you need to enable this setting.
