3DS Recommendation - Overviews

Payment Optimization

3DS Recommendation

The 3DS Recommendation integration offers access to Forter's [Fraud Management](/content/platform/fraud-management/ "Fraud Management"/index.html) and [Payment Optimization](/content/platform/payment-optimization/ "Payment Optimization"/index.html) if you are already integrated with a 3DS provider.

Integration Flow Integration Flow

Send order data to Forter via Order API
Fraudulent transaction?
- Yes: Forter declines and sends decline message to buyer.
- No:
  - Standard Authorization:
    - Forter approves, requests authorization from PSP, shares order and authorization status with Forter.
  - PSD2 Exemption:
    - Forter approves and recommends exemption, requests authorization with exemption from PSP.
  - 3DS Recommended:
    - Forter approves-or-declines and recommends 3DS, requests authorization with 3DS from PSP.

Integration Steps Integration Steps

Confirm 3DS Prerequisites Confirm 3DS Prerequisites

Verify that both Forter's and your PSP's integration requirements are met.

PSP supports 3DS requests
- Verify with your PSP that you can request to trigger 3DS in the Authorization call.
PSD2 Regulation Solution
- Verify exemption support with your PSP.

Front-end Integration Front-end Integration

Follow the instructions for front-end integration for Fraud Management, including installing Mobile SDKs on your mobile applications.

Send Order API Request Send Order API Request

Send Forter the complete order details in the Order API to get real-time fraud decisions.

Handle Order API Response Handle Order API Response

Outcome	Call to Action	Order Response Fields
Forter Approved	Standard Authorization	"forterDecision": "APPROVE"
Forter Declined	Do not Authorize	"forterDecision": "DECLINE"
Forter Declined & Recommends 3DS	Capture only following a successful 3DS	"forterDecision": "DECLINE", "recommendation": "VERIFICATION_REQUIRED_3DS_CHALLENGE"

Request authorization with 3DS Request Authorization with 3DS

Pass the bank a request to trigger 3DS following Forter's recommendation in the Order Response.

Post-purchase Updates Post-purchase Updates

Notify Forter of payment authentication updates.

Dispute Notifications Dispute Notifications

Notify Forter of disputes to improve future decisions.

Complete Integration Tests Complete Integration Tests

Ensure your integration covers all relevant use cases.

Deploy to Production Deploy to Production

Replace credentials with production ones after testing.

Data Validation Data Validation

Execute a set of automated tests on live data post-deployment.

Go Live Go Live

Confirm that your production site is handling responses as expected.

Verify 3DS recommendations with PSP Verify 3DS Recommendations with PSP

Ensure your PSP is receiving authorization requests with 3DS recommendations on live transactions.