Security & ComplianceAlso: 3DS

3-D Secure

An authentication layer that asks the cardholder to verify identity with their bank during checkout, shifting liability for certain fraud away from the merchant. It can reduce fraud and chargebacks when applied where it makes sense.

3-D Secure adds a step, so it is best applied selectively — on higher-risk transactions rather than every sale — to balance fraud protection against checkout friction.

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Related terms

Chargebacks & Risk

Fraud Ratio

The percentage of transactions flagged as fraudulent, tracked separately from the chargeback ratio. High fraud ratios trigger their own network programs, so fraud tools that block bad transactions protect both metrics at once.

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Security & Compliance

Address Verification Service

A check that compares the billing address entered at checkout with the one on file at the cardholder's bank. AVS is a simple, widely used fraud signal for card-not-present transactions, often combined with other checks.

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Payment Methods

Card-Not-Present

A transaction where the card is not physically presented — online, over the phone, or in-app. CNP sales carry higher fraud and chargeback risk than in-person sales, which is why they rely on fraud tools like CVV, AVS, and 3-D Secure.

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