Stop paying for fraud that isn't your fault: meet 3D Secure v2

Every online sale carries a silent risk. A stolen card, a fraudulent transaction, and weeks

later a chargeback lands on your account — the sale is gone, and so is the money. For most

merchants, that loss simply comes with selling online.

It doesn't have to. 3D Secure v2 is now available for Blackstone merchants, adding an

advanced layer of authentication to every online payment — without adding a single step for

your customers.

How does it work?

3D Secure sits between your shopping cart and the payment gateway, authenticating

transactions in real time. When a customer pays, more than 250 data points are collected

and sent to the card-issuing bank, which runs an instant risk assessment.

If the risk is low — which is the vast majority of cases — the transaction is authenticated

automatically, with no extra steps. Only high-risk transactions trigger an additional

verification from the bank. Everything happens in the background, in seconds, without

slowing down your checkout.

Key benefits

● Fewer chargebacks. Merchants using 3D Secure can eliminate up to 90% of

fraud-related chargebacks on online sales.

● Liability shift. When a transaction is authenticated, responsibility for fraud moves from

you to the card-issuing bank. If fraud occurs on an authenticated sale, the chargeback

doesn't land on your account.

● No friction for your customers. Today, about 81% of transactions in the U.S. are

authenticated successfully without any extra steps. Your checkout stays fast.

● Full visibility. If you use the Blackstone gateway, you can track every 3D Secure

transaction from the Reports section.

What do you need?

Very little. If you process payments through our Virtual Terminal, there's nothing to integrate

— just request activation. If you use our WordPress plugin, simply download the latest

version. And if your site connects through our API, our team will provide a step-by-step

integration guide.

Once you enroll, our team configures your account and you're protected within 24 hours.

The result: fewer disputes, protected revenue, and online sales you can finally trust.

Ready to activate 3D Secure? Contact a Payment Consultant.