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Flex 3D Secure

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While 3D Secure adds an important layer of security, it introduces additional steps for the customer during checkout. In some cases, you may want to reduce this friction to provide a smoother payment experience. Amazon Payment Services offers the Flex 3D Secure feature, allowing you to selectively bypass 3D Secure when specific conditions are met.

Key Benefits​

  • Enhanced User Experience: Reduce checkout friction for low-risk transactions
  • Intelligent Risk Assessment: Automatically evaluate transaction risk criteria
  • Flexible Configuration: Customize rules based on your business requirements
  • Real-time Decision Making: Dynamic 3D Secure application based on defined rules

When to Consider Bypassing 3D Secure​

Although 3D Secure enhances security for both the cardholder and the merchant, it may impact the customer experience especially for low risk or low value transactions. In such scenarios, bypassing 3D Secure can help streamline the checkout process.

Low-Risk Transactions

Transactions from trusted customers or repeat buyers with good payment history.

Low-Value Purchases

Small amount transactions where the fraud risk is minimal compared to the transaction value.

Skipping 3D Secure for enrolled cards increases the risk of chargebacks and may shift liability to the merchant.

How Flex 3D Secure Works​

Flex 3D Secure lets you define custom rules to determine when the 3D Secure step can be bypassed. These rules are managed via the Flex Management by Amazon Payment Services risk team.

Once configured, Amazon Payment Services evaluates each transaction against your defined rules and decides whether to apply or downgrade the 3D Secure step accordingly.

Implementing Flex 3D Secure requires prior approval from your acquiring bank and may have specific terms and conditions.

Available Controls​

  • Rule Configuration: Set up multiple rules based on different criteria
  • Amount Thresholds: Define minimum and maximum transaction amounts
  • Customer Segmentation: Apply different rules for different customer types

Start with conservative rules and gradually adjust based on your transaction data and chargeback rates to find the optimal balance between security and user experience.

Support​

Need assistance with Flex 3D Secure implementation? Contact our technical support team at merchantsupport-ps@amazon.com.

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