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Adding 3D Secure Payment Methods and Processing 3DS Payments through Stripe
Adding 3D Secure Payment Methods and Processing 3DS Payments through Stripe

The 3DS authorization process when charging your customers

Eric Plamondon avatar
Written by Eric Plamondon
Updated over a week ago

What is 3DS?

3DS is a credit card verification process which protects your e-commerce business, and your customers from payment fraud.

The term 3DS stands for 3 Domain Server. Created by Visa and MasterCard, 3D Secure - also referred to as 3DS - is a technical standard that adds a layer of security in online credit and debit card transactions. In order to complete an online purchase, the cardholder is asked to provide proof of identity by entering a unique password, an SMS code or a temporary PIN.

3DS is used by the following companies, and is becoming the global standard for secure online transactions:

How does this effect me and my business?

A customer's card requiring 3DS authentication will require you to attempt to charge this card to initiate an email sent to your customer, requesting verification.


Watch a quick video!

Step by step instructions:

Step 1: Select Customers in the left hand side MioCommerce menu.

Step 2: Select the Customer you wish to charge a payment for.

Step 3: Go into Payment Options, the small text in the bottom left hand side of the Payment Information section in your Customer's details.

Step 4: Select Create Payment Option and enter the card details.

Step 5: When you are finished entering the new card details, click Create.

Step 6: If the new card you are adding is 3D Secure, you will see the notice below pop up automatically. Click "Send Email" to send an email to your customer asking them to verify their card details.

Your customer will receive an email requesting that they enter and verify their card information. Once this is complete, the card will be registered, and available for you to charge.

Once the payment method is added, you can move ahead to attempting to charge your customer.


In the case that you're customer's payment method is already added, move ahead to charge your customer.

Watch a quick video!

Step by Step instructions:

Step 1: Select Charge Customer from within their Customer Profile.

Step 2: Choose a Card Payment Method from a drop-down list of available cards. Once ready, then click "Yes, charge the customer."

If the card requires 3DS authentication, you will see the below pop-up notice. Click "Send email" to send an email to your customer requesting that they verify the charges.

Note: You will be able to see that an email requesting 3DS authorization has been sent to your customer, as there will be a notification in blue stating: "Awaiting customer authentication" in the Payment Transactions portion of your Customer Details.

See screenshot below as a reference:

Step 3: Your customer must complete the 3DS authentication request through the email they receive.

In the email request to authorize the charge, they are prompted to click to authenticate the charge to your company. Once they initiate this process by clicking "Authenticate Payment Method," they are routed to complete the 3DS authentication providing the necessary information. This could mean they will need to enter their banking PIN, or verify another way.

This email notification to your customer to authenticate 3DS will look like something like this:

Your company name and information is included in the 3DS authentication request email, and your customer may choose to contact you with questions about verifying their purchase, before completing the 3DS process. Let them know that this verification came from you, and to proceed with entering their details to verify the charge.

NOTE: If the Booking Page for the service is set to "Charge Now" or "Pre-Authorization" and a customer enters a card that requires 3DS Authentication on your booking page, they will automatically receive an email requesting that they verify the card.

Step 4: Your customer authenticates the purchase with 3DS, and the charge is automatically completed in your booking. When they have completed the authentication, they will see a notification like this:

You can confirm they have completed the authentication, by looking in their Booking Details and seeing that the charge has been completed. You will also receive an email notification letting you know that your customer has completed this 3DS authentication process.

This email to you will look like this:

If your customer does not respond to their 3DS authentication request email within 24 hours, when they click to authenticate the purchase, they will be re-directed to clicking to receive a new email with a fresh 3DS authentication request within in, from which they will be able to then complete the process.

You can also trigger a new 3DS authentication request email to be sent to your customer at any time, by clicking the small arrow to the right of your Payment Transaction Notification:

Then clicking 'Send another email request" in the left hand side menu.

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