Merchant disputes

Check 3D Secure evidence on a dispute

Review the saved authentication result and the processor’s assessment of the disputed payment.

Records to compare

  • Authentication result and transaction reference
  • Payment and network data
  • Dispute reason
  • Evidence already supplied by the processor

Check the conclusion

Authentication and liability treatment depend on the actual transaction and claim. A checkout using 3D Secure does not establish the outcome of every later dispute.

Prepare the response

Use the response guide to connect each statement to a record. Check the evidence and follow the deadline and submission requirements in the actual dispute.