Examples Using

3-D Secure

Data Only

3-D Secure

data only is a solution that shares data that merchants collect during transactions with the issuer, so that the issuers can make more informed authorization decisions for future transactions. Data only uses the

3-D Secure

infrastructure, but it is not a complete

3-D Secure

authentication.

3-D Secure

data only is a frictionless experience.

Data only can increase authorization approvals and reduce fraud in the following ways:

While some merchants have their own fraud tools,
3-D Secure
data only focuses on increasing approvals. Fraud is decreased with data only.
Merchants share additional transaction data with the issuer, allowing the issuer to feel more comfortable with the transaction’s risk level. The issuer can gain additional insight into who the buyer is and what they are purchasing which enables better authorization decisions.
Since data only is not a full authentication, merchants retain fraud liability, putting less risk on the issuers, which might lead to a higher approval rate when compared to non-authenticated transactions.

Visa supports

3-D Secure

within the Visa Data Only program, and Mastercard supports data only with Identity Check Insights.