Hello!
I have a question regarding the Apple Pay payment method. We're adding
this payment method to our app and noticed that during the initiation of a
transaction, i.e., when invoking Apple Pay to reserve a product in our app,
the 3DS verification doesn't occur. Our assumption was that 3DS happens
when a card is added to the Apple Pay wallet, which is before the user
purchases a product. But is that correct? Shouldn't 3DS be processed each
time a transaction is initiated? If the case where a transaction happened
for a card where the 3DS authentication is completed when it was added,
will the liability shift for this transaction from us as merchant to the
bank as well, like regular 3DS auth on a transaction basis would do?
Hi @DominikJ,
You wrote:
We're adding this payment method to our app and noticed that during the initiation of a transaction, i.e., when invoking Apple Pay to reserve a product in our app, the 3DS verification doesn't occur. Our assumption was that 3DS happens when a card is added to the Apple Pay wallet, which is before the user purchases a product. But is that correct? Shouldn't 3DS be processed each time a transaction is initiated?
The timing of the 3DS auth depends on the implementation of your payment service provider (PSP) or your payment network operator (PNO). Please contact your PSP and/or PNO directly to understand the expectations for your specific implementation.
Then, you wrote:
If the case where a transaction happened for a card where the 3DS authentication is completed when it was added, will the liability shift for this transaction from us as merchant to the bank as well, like regular 3DS auth on a transaction basis would do?
For 3DS2 liability shift guidance, you should again contact your PSP and/or PNO directly. For example, Stripe has a support page called,"Liability shift for Apple Pay charges", explaining the permutations of liability shift for Apple Pay on their service, as well as when it does and does not apply. For the most accurate information for your implementation, it's best to contact your own PSP for more information.
Cheers,
Paris
