Checkout.com Publishes Payment Authentication Guide
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AI-assisted source synthesis · not an independent investigation.
On October 28, 2026, Checkout.com published a payment authentication guide on its blog explaining how 3D Secure (3DS) verifies cardholder identities. Authentication requests are routed through the payment service provider (PSP) and card network to the issuer’s access control server (ACS), which selects either a frictionless flow or a challenge flow. After successful authentication, a CAVV or AAV is generated and enters the traditional payment processing flow with the authorization request. Checkout.com stated that after successful authentication, liability for unauthorized fraud disputes shifts to the issuing bank.
AI-written from reports · updated 3 hours ago
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- Checkout.com BlogCheckout.com explains payment authentication
Checkout.com explains how payment authentication uses 3D Secure (3DS) to verify the cardholder’s identity and, after successful verification, shift liability for unauthorized fraud disputes to the issuer. The authentication request is routed through the PSP and card network to the issuer’s ACS, which selects either a frictionless or challenge flow; a successful response generates a CAVV/AAV, which then enters the traditional payment rails with the authorization request.
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