Activating the third party 3DS token feature with Stripe and Vrbo

Note: this process is currently available only for Stripe accounts and Vrbo bookings.

What is the Vrbo 3DS token feature?

As part of the payment flow, the bank of the cardholder may request a 3DS authentication in order to allow the payment. The 3DS authentication request is usually handled by Smily, however it is possible to handle it directly on Vrbo and to then send a 3DS token from Vrbo to Stripe via Smily. This makes the payment flow easier for the guest.

How to activate this feature?

There are two requirements to activate this feature: 

1 - Checking compatibility on Stripe

The Stripe feature for using third party 3DS tokens is activated by default with Smily’s Stripe integration.

In order to be able to process payments using this feature, you must first ensure that your account settings are compatible.

The feature is not compatible with the Stripe Radar rule "has liability shift". You will need to deactivate that rule on your Stripe account if you would like to use the 3DS token feature.

2 - Activating the feature on Smily

The 3DS token feature is not enabled by default on Smily. Once you have checked your Stripe Radar rules for compatibility with the feature, you can contact our support team and ask the following:

Please enable the third party 3DS token feature for the Stripe account X.

With X being the exact name chosen for the Stripe account in the payment section of your Smily accounts (Settings > Payments). Please note that if the name is not exact, our team may not be able to identify the account.

Note: this feature is activated per Stripe account, not per rental. You only need to activate it once for the Stripe account, and can then assign that Stripe account to as many rentals as you'd like without any further action.

Once our team confirms that the feature has been activated on Smily, it is then ready to be used for future Vrbo bookings.