Ensuring your customers have a safe and smooth checkout experience is essential for your business. One way to protect both you and your customers from fraudulent payments is through 3D Secure (3DS) authentication. This extra security step is now easier to use with popular payment gateways like Square and NMI, helping you reduce failed payments and stay compliant with global payment standards.

📌 Why This Matters

3D Secure adds a layer of protection during online payments by asking customers to complete an additional verification step. This means fewer declined or failed transactions, protection against fraud, and peace of mind for your customers. If you’re selling online or taking payments digitally, enabling 3DS helps keep your business secure and compliant, especially in regions where it’s required.

✨ What’s New

• Broader 3DS Support: Cards requiring 3D Secure verification now work seamlessly with Square and NMI payment gateways.
• Easy Setup: Square requires no additional setup beyond collecting customer address and contact information during checkout.

🛠️ How to Use It

1. Square Payments: No extra steps needed! 3DS will activate automatically when your customer enters their address and contact info during checkout.
2. NMI Payments Setup: For NMI, a few quick steps are required:
   1. Enroll in Payer Authentication 2.0 through your NMI account.
   2. Make sure the service status shows as Active.
   3. Generate a Checkout Public Key for 3DS in your NMI Merchant Portal, then add that key to your payment system integration.

After setup, whenever a card calls for 3DS verification, your customers will see a quick pop-up to verify their identity, helping transactions go through smoothly.

💡 Pro Tip

Using 3D Secure helps reduce the risk of declined payments and fraud, so your customers complete their purchases confidently — ultimately supporting your business’s cash flow and reputation.