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This feature is coming soon and isn’t available yet. Contact support to get notified when it launches.
Today, pay with points and 3D Secure are separate paths — you can’t yet combine a rewards redemption with a 3DS-authenticated charge on the same sale.
If you send three_ds together with loyalty on a purchase today, the request doesn’t fail — the gateway accepts it and silently ignores the 3DS evidence, completing the card charge with no 3D Secure authentication. Don’t send both on the same request until this is supported; validate on your own side that a redemption sale never carries three_ds.

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Why this needs special handling

3D Secure authenticates a specific amount, and the gateway checks that the amount you authenticate matches the amount you later charge. A rewards redemption changes the card amount after you’d normally kick off 3DS: the session’s gross amount is what the shopper sees at checkout, but the amount actually charged to the card — the net amount — is only known once the redemption is applied. To support both together, the amount 3DS authenticates has to be the net card-charged amount, pinned to the session before authentication starts, not the gross order total. That pinning step is what’s still coming.

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What’s available today

You can use either capability on its own: Contact support to get notified when combining the two is available.
Last modified on September 15, 2026