Top-up 3DS 2023

1. Summary

Users who are detected to be a fraud will have to go through the 3DS flow while topping up.

• The variable controls the feature: 

2. Details

As a fraud control measure, certain users that engage in fraudulent activities will be going through a Top-up 3DS flow where they have to verify their identity again:

1. CVV page: Re-enter the user’s CVV

2. OTP page: Enter the OTP number to verify with the bank

Access the feature

	Steps	Screens
1	Pay tab
2	Home page
3	More tab > Payment method > Top-up

How to use the feature

Only applicable to the new version 1.125.1 onwards.

	Steps	Screens
1	Select Card > Click Top-up now
2	Enter CVV > Click Proceed
3	Enter OTP > Click Confirm
4	Back to Setel page and see the normal behavior

 

Differentiate the feature on the Admin portal

a) Users that went through top-up 3DS
Admin portal > Top-up > Top-up details > Flags > isTopUpWith3DS = true

b) Users that didn’t go through top-up 3DS

Admin portal > Top-up > Top-up details > Flags > isTopUpWith3DS = false

Exception

Old version

	Steps	Screen
1	When user tries to Top-up while being on app version 1.125.0 & below, a notification will be sent to the user.
2	At the inbox page, they will also see the message suggesting them to Update Setel App to use the Top-up feature