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FunnelFox Billing supports Adaptive 3DS to improve your card acceptance rate without adding friction to every checkout. Authentication is applied only when a payment needs it. Adaptive 3DS is disabled by default.

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How it works

3D Secure (3DS) asks customers to confirm their identity with their bank, for example by entering a one-time code. It reduces fraud, but applying it to every transaction costs conversions when customers drop off at the challenge. Adaptive 3DS applies it only when needed:
  1. Every payment is first attempted without 3DS.
  2. If it’s approved, the customer pays instantly.
  3. If the declines the payment because authentication is required, FunnelFox Billing triggers 3DS and retries.
  4. The customer completes the challenge, and the payment goes through.
Hard declines, such as a reported stolen card, are not retried.
Adaptive 3DS is required for card payment cascading. The 3DS result from the first attempt is reused on the backup processor, so the customer doesn’t authenticate twice.

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Setup

Request Adaptive 3DS from your FunnelFox Billing dashboard.
  1. Go to the Payment Features page.
  2. Click Request to the right of Adaptive 3DS.
  1. Complete the form:
  • Primer Organisation ID: Find it in the Primer Dashboard under Settings > Organisation.
  • Processor (PSP): The processor this profile applies to (for example, Stripe, Adyen, or Airwallex).
  • Merchant Account: Find it in the Primer Dashboard under Integrations > [processor] > Merchant Account.
  • Display name: Name for the 3DS profile.
  • Merchant name: Name shown in the authentication window.
  • Merchant URL: A bare domain like example.com is fine.
  • Country code: ISO 3166-1 alpha-2, for example US.
  • Merchant Category Code (MCC): Exactly 4 digits, for example 5734.
  • Card networks: Select at least one (Visa and Mastercard are selected by default). For each selected network, enter:
    • Processor Merchant Account ID (MID)
    • Acquirer BIN
If you use Stripe, we retrieve the processor details (BIN and MID) automatically. For other processors, request them from your processor’s support team.
  1. Click Submit request.