Trust Payments - Managing your transactions

This page explains how transactions work behind-the-scenes – what happens once the customer has completed their checkout session.

How payments are processed

3-D Secure (SCA)

• 3-D Secure is a protocol designed to reduce fraud and chargebacks during e-commerce transactions.
• Data from the payment session and the customer’s device is shared with the issuer to evaluate the level of risk.
• In most cases, payments are deemed low risk, and will be processed without prompting customers for authentication.
• If considered high risk, customers will be prompted to authenticate their identity before they can continue.
• Following authentication, in the event of a dispute, the issuer will usually take liability for the chargeback.

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