Billing authentication with 3D Secure

3D Secure is an additional layer of security for online credit and debit card transactions. It adds an authentication step for online payments by redirecting the user to the card issuer's domain and then back to the online store's domain to complete the payment. Online stores in PSD2 countries require 3D Secure Checkout integrations in order to be PSD2 compliant.

If you use LM Payments or Stripe as a payment gateway, you automatically use a 3D Secure payment flow. LM Payments is optimized to minimize the use of 3D Secure and only uses 3D Secure when requested by the issuing bank to authorize a transaction.

If you are using a third party gateway and need 3D Secure, you can use Cardinal as your provider.

Each time you add a credit card as a payment method for your store's LM subscription package, you will be prompted to authenticate yourself. Once you have entered your credit card details on the billing settings page, you will be redirected to the 3D Secure page, where you can set up or enter your 3D Secure PIN.