---
title: "3D Secure Challenge Fallbacks for High-Risk Card Payments"
description: "High-risk card transactions no longer get an automatic rejection; instead, a 3D Secure challenge is triggered, and only transactions that pass proceed."
date: "2026-04-16"
url: "https://docs.priv.staging.komoju-dev.tools/en/changelog/3d-secure-challenge-fallbacks-for-high-risk-card-payments"
source_url: "https://docs.priv.staging.komoju-dev.tools/en/changelog/3d-secure-challenge-fallbacks-for-high-risk-card-payments.md"
language: en
---

## What Changed

High-risk card transactions no longer get an automatic rejection; instead, a 3D Secure challenge is triggered, and only transactions that pass proceed.

## Merchant Impact

Improves checkout success rate for legitimate high-risk-flagged customers.