How does StockX enforce Strong Customer Authentication?


What is 3D Secure? 

3D Secure is the technology that enforces Strong Customer Authentication (SCA) requirements in the PSD2 regulation. SCA requires companies to request the financial institution to perform a multi-factor authentication on the customer’s credit or debit card for online purchases. This is to ensure protection against fraud for both the customer and the merchant (StockX). This authentication is managed by and solely at the discretion of your financial institution. 

The multi-factor authentication will be performed by your financial institution in a pop up window within the StockX site or app. From here, your financial institution will either provide you with a unique code via a one-time SMS message, or ask you to confirm information related to your card. Since this process is managed entirely by your financial institution, StockX is unable to collect or consume any information related to the authentication information requested during this process. 


How does it work?

At the time you place a Bid or attempt a Buy Now transaction, if your financial institution would like to present a 3DS challenge, you will be taken to a screen managed by your financial institution where information necessary to confirm your identity will be requested. Once you provide the requested information, your financial institution will indicate whether the challenge has been approved or declined.

If you are approved, you will be directed back to StockX to complete your purchase. If you are declined, we recommend that you reach out to your financial institution for more information. StockX will not have additional information on the factors that led to the decline. If you’re unable to use this payment method, we also recommend trying your purchase again with a different payment method. Please note that you will still be required to complete a 3DS authentication when using a credit or debit card. 

Who is impacted by PDS2 requirements?

Per the PSD2 Regulation, StockX is required to request your financial institution to perform a strong customer authentication in the form of multi-factor authentication for all online purchases made by users in the following countries: 

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, the Netherlands, Norway, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, and the United Kingdom (including Gibraltar, Guernsey, Jersey, and the Isle of Man).


Please Note: You may not receive a 3DS challenge on your purchase beginning on January 1st. This is due to two factors:

  1. Countries and financial institutions across the EU have varying timelines beyond the December 31, 2020 deadline for implementing the requirement of presenting the 3Ds challenge. StockX is committed to supporting the PSD2 regulation, and may route some transactions through the U.S. as countries work towards their timelines, and StockX finalizes the implementation. Due to this you may not receive a 3Ds challenge.
  2. The presentation of the 3DS challenge is at the sole discretion of your financial institution. StockX will always send the appropriate flag to the financial institution for the 3DS challenge. The institution, based on their rules, may choose to not require the challenge and process the transaction.


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