No, you are not obliged to activate 3DS for all transactions. You can request to make it as optional after a thorough risk assessment from our side. 

Indonesia: 

- You can submit your 3DS optional request from your own dashboard. Please click here to know more. 

Philippines: 

- You can submit your 3DS optional request to your Account Manager (if any) or through our customer success via email help@xendit.ph

Important note: Currently 3DS optional feature is only applicable for transactions in PHP. If you would like to accept transactions in USD, then 3DS is mandatory.