Authentication where it earns its place
Add cardholder authentication without adding friction to every sale
3-D Secure asks the card issuer to authenticate the cardholder during an online checkout, and where authentication succeeds and network rules apply, liability for a fraudulent chargeback moves to the issuer. RapidCents triggers it by rule, on amount, geography or risk signal, rather than on every transaction, because blanket authentication costs conversion. Most authentications complete without a challenge screen; a challenge appears only where the issuer requires one. Reporting shows authentication rates and their effect on approvals.
- Issuer-verified cardholders
- Liability shift where it applies
- Rules, not blanket friction
- PCI DSS Level 1
- SOC 2 Type II
- Canadian support
- Interchange-plus available
- All major card brands: Visa, Mastercard, Amex, Interac debit
Who it's for
Online merchants
Card-not-present sales carry the fraud liability.
International sellers
Some regions expect authentication by default.
High-ticket sellers
Larger orders justify the extra step.
Core capabilities
Risk-based rules
Trigger authentication by amount, geography or risk signal instead of every transaction.
Frictionless flow
Most authentications complete without a challenge screen.
Liability shift
Where authentication succeeds and the rules apply, fraud liability moves to the issuer.
Checkout integration
Works with hosted checkout and gateway integrations.
Outcome reporting
See authentication rates and their effect on approvals.
How it works
Set the rules that decide when authentication runs.
At checkout, the issuer evaluates the transaction.
Most authentications complete without a challenge.
A challenge appears only where the issuer requires it.
Reporting shows authentication and approval outcomes.
Dashboard and reporting
Transactions, deposits and exceptions visible in the RapidCents merchant dashboard.
Try it, edit values and click buttons
Merchant dashboard
- Today
- $4,218
- Deposits
- $12,482
- Disputes
- 2 open
- In-person
- $842
- Online
- $1,104
- Virtual terminal
- $392
Demonstration data only
Integrations
Merchant dashboard
Every transaction, deposit and exception lands in one dashboard.
APIs and webhooks
Connect the product to your own software with REST APIs and signed webhooks.
Partner connectors
Certified connectors for common POS, ERP and commerce platforms.
Works with 3D Secure
Capabilities on the same account, so the parts below connect without a second integration or a second contract.
A RapidCents hosted checkout page at checkout.rapidcents.com, with the order summary and totals on the left and the card fields on the right, footed by SSL and PCI DSS assurances. Hosted checkout
A branded payment page RapidCents hosts, which keeps card data off your servers.
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Rapid.js hosted card fields on a developer workstation, keeping card entry out of the merchant's PCI scope. Rapid.js
Embedded card fields that keep your checkout in your own design and out of PCI scope.
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A payment-gateway integration desk: API response on screen, RapidCents terminal ready for a test sale. Payment gateway
The authorization layer every online RapidCents payment runs through.
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A RapidCents risk screen flags an unusual payment for review, with the capturing terminal still on the desk. Fraud prevention
Rules, velocity checks and AVS/CVV screening applied before a payment is approved.
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RapidCents assembles chargeback evidence from the original sale, with the terminal and receipts still at hand. Chargeback Protection
Dispute alerts and evidence assembly, so representment does not eat your week.
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Security
PCI DSS Level 1
Processing runs on PCI DSS Level 1 audited infrastructure.
Tokenization
Card data is replaced with tokens, keeping raw credentials out of your systems.
Role-based access
Permissions and audit trails control who can see and do what.
Implementation
Discovery
A Canadian specialist reviews how your business gets paid today.
Configuration
Accounts, users and settings are prepared before you go live.
Testing
Run test transactions and confirm reporting before cutover.
Launch and support
Go live with training materials and post-launch support.
Pricing
Transparent pricing
Pricing depends on volume, card mix and configuration. Fee Check compares your current statement before you commit to anything.
Questions about 3D Secure
Does 3-D Secure hurt conversion?
Applied to every transaction it can. Rule-based triggering limits it to the transactions where the protection is worth the step.
What is liability shift?
Where authentication succeeds and network rules apply, liability for a fraudulent chargeback moves to the issuer.
Will customers always see a challenge?
No. Most authentications complete in the background without a challenge screen.
Does it work with hosted checkout?
Yes, and with gateway API integrations.
Does 3-D Secure apply to in-person payments?
No. It authenticates the cardholder in a card-not-present checkout, which is where the merchant carries the fraud liability. In-person sales are protected by the chip and the terminal's own encryption instead.
Which transactions should trigger authentication?
The ones where the protection is worth the extra step: larger orders, regions whose issuers expect authentication by default, and transactions your risk signals flag. Authentication and approval reporting is what tells you whether a rule is set too wide.
Does it replace fraud screening?
No. Screening applies your own rules to the transaction; 3-D Secure asks the issuer to authenticate the person behind the card. Most online merchants run both, and the rules decide which transactions get which treatment.
Is 3-D Secure charged as an extra?
It is configured on your RapidCents account alongside hosted checkout or the gateway rather than sold as separate software. Account pricing follows volume, card mix and configuration, and can be quoted interchange-plus or bundled.
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ExploreA RapidCents hosted checkout page at checkout.rapidcents.com, with the order summary and totals on the left and the card fields on the right, footed by SSL and PCI DSS assurances. Hosted Checkout
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Take the next step
Talk to a RapidCents specialist
RapidCents Fee Check reads a processing statement and shows interchange separately from the markup. Upload a statement for an instant breakdown, or open a merchant account and start accepting payments on one account.
- No obligation
- Payment specialists, not a call centre
- Secure statement upload
