The actual way you do it in reality is to trigger it for a small percentage of h... | Hacker News

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BillinghamJ on Dec 5, 2016 | parent | context | favorite | on: Criminals can guess Visa number and security code ...

The actual way you do it in reality is to trigger it for a small percentage of high risk transactions.

My company uses Ravelin for this - we feed them lots of data, they do some kind of machine learning, and they feed us back a recommendation.

Depending on what recommendation we receive, we either let the transaction through without 3DS, block it completely, or only allow it with 3DS.

tyingq on Dec 5, 2016 [–]

I assume though, that you're still losing some number of conversions to legitimate customers that don't want to deal with 3DS.

BillinghamJ on Dec 5, 2016 | [–]

A few, but it's a very small percentage, and the monetary loss of not requiring 3DS in these cases far outweighs the lost sales.

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