3D Secure and SCA
About 3D Secure and SCA
3D Secure (3DS) adds a layer of customer authentication to card payments, and is the mechanism that delivers Strong Customer Authentication (SCA) under . It helps reduce fraud and shifts liability for fraudulent transactions away from the merchant.
Transactions without 3D Secure authentication or SCA are more prone to chargebacks — and you assume the risk for the full amount of any payment that results in a chargeback, regardless of the transaction value.
3D Secure exemptions
By default, MONEI applies 3D Secure (SCA) to card payments. MONEI does support exemptions that skip 3D Secure for low-value payments (below €30) to reduce checkout friction.
You can't enable an exemption yourself — to request one, contact our support team. Whether it can be applied is decided case by case, based on several risk factors, your merchant category, and your .
Transactions without 3D Secure authentication or SCA are more prone to chargebacks. You assume the risk for the full amount of any payment that results in a chargeback, regardless of the transaction value. The will return the money to the cardholder.