What is the purpose of routing high-risk payments through Dynamic 3D Secure?

• A. To route high-risk payments through Dynamic 3D Secure
• B. To disable 3D Secure for all payments
• C. To apply 3D Secure only for merchant risk scores
• D. To replace 3D Secure with SMS verification

Answer: (A)

Dynamic 3D Secure routing uses real-time risk signals to decide whether a payment should go through 3D Secure authentication. The purpose is to add extra verification for payments that look suspicious, helping to reduce fraud and liability, while keeping the checkout experience smooth for low-risk transactions. In practice, high-risk payments are directed into a 3D Secure flow, whereas low-risk ones can proceed with minimal friction. This approach improves security without blanketly applying 3D Secure to every payment. It’s not about disabling 3D Secure, replacing it with SMS verification, or applying it based on a fixed merchant risk score; risk signals drive the decision to route only the high-risk cases through 3D Secure.