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Stripe Radar: Fraud Prevention
OCU supports the Stripe Radar rules you set for your Stripe account. Through the "Stripe Connect" connection method for OCU, Radar support is already enabled and no action is required.
Stripe 3D Secure (3DS)
On September 14, 2019 new requirements for authenticating online payments will be introduced in Europe as part of the second Payment Services Directive (PSD2).
OCU has an integration available for 3D Secure protection. If you have a 3D Secure rule enabled in your Stripe Radar rules, then the buyer needs to pass additional verification if their card issuer supports 3D Secure.
Enabling 3D Secure in Stripe
To enable a 3D Secure rule in your Stripe account, after logging in go to Radar > Rules and enable the rule(s) that you want to use.
Here is an example of how a protected/approved transaction looks like in a Stripe merchant account:
Here is an example of how an incomplete transaction looks like in a Stripe merchant account:
More details about 3DS for Stripe can be found here: https://stripe.com/guides/strong-customer-authentication and in their help doc here: https://stripe.com/docs/payments/3d-secure
Stripe: Checkout flow for European buyers with 3DS enabled
After enabling the 3D Secure rule(s) in Stripe, each buyer from the EU whose card support 3DS will see a verification popup from their bank at Checkout like in the example below:
Also, the same popup will be shown on the Offer Page after clicking the "Add To Order" button. The transaction will be approved if verification is passed, and the buyer will see the next offer page. If verification fails, then the transaction will be left with Incomplete status and the buyer will see a new dialog popup to try to pass verification once again.
Enabling 3D Secure in Braintree
To enable 3D Secure in your Braintree account, contact their support via either phone or email. To check that the 3D Secure option is enabled for your account, you need to click on Settings (⚙️) > Business:
View your Merchant Accounts on your Business page to verify that 3D Secure is enabled:
For Braintree, there aren't any specific marks for transaction to check that the transaction was protected by 3DS or not.
More details about 3DS for Braintree you can find here: https://articles.braintreepayments.com/guides/fraud-tools/3d-secure
Braintree: Checkout flow for European buyers with 3DS enabled
After enabling the 3D Secure rule, each buyer from the EU whose card support 3DS will see a verification popup from their bank.
The transaction will be approved if verification is passed, and the buyer will see the first upsell offer page. If verification fails, then the buyer will see a new dialog popup to try to pass verification again. This popup won't be shown on the offer page(s).