3D secure, Verified by Visa, MasterCard SecureCode

IMPORTANT: We are not Visa or MasterCard, the companies who supply 3D Secure. Our accounts simply integrate into their verification system as part of our online payment solution. Therefore we are UNABLE to answer ANY 3D Secure issues. If you are having problems with 3D Secure then please contact Visa, MasterCard, the website owner or your original account provider directly.

3D Secure - All you need to know
..................................................................................................................................................................................................................

Providing an introduction to 3-D Secure (3-Domain Secure™)

You can reduce your exposure to fraud by using '3D Secure'. If your shoppers join 3D Secure, or you force them too, then you can use this feature to identify shoppers as genuine and honest cardholders, before they pay for their online purchase. This reduces fraud, and increases a shopper's confidence in your site.

Merchant account and gateway costs | How long does it take to set-up | How online payments works | What is a merchant account | What is a payment gateway

This page provides an introduction to 3D Secure. It is recommended that all members and merchants read this section and download the guide at the bottom of this page.

How it works

The 3D Secure feature enables the shopper to enter a password to confirm their identity with the card issuer.

If accepted they then complete their order, and when received by you, you have much more confidence that is genuine and real.

Please note that all new Solution 1 customers must use the 3D Secure integration. If using our secure checkout page, this is already done for you.

Main Key Benefits

Added protection from fraudulent payments
Allows you to trade online more safely
Enhances shopper confidence and spending
Reduces costs from fraudulent chargebacks

Chargeback Liability Shift

If you are enabled for 3D Secure (Verified by Visa and MasterCard SecureCode) you can be protected from certain "it wasn't me" Chargebacks on credit, and some debit, card transactions. According to Visa, over 80% of all chargebacks fall into this fraud-related category.

Liability for this kind of chargeback passes from the merchant to the card issuer, even if the card issuer is not a participating member of the scheme, or if the cardholder is not enrolled.

Please click the links below for more information

	What is it?
	What does 3D secure stand for?
	Benefits of 3-D Secure
	Benefits for Members
	Benefits for Cardholder
	Benefits for Merchants
	Do I need to do anything?

What is it?

The 3-D Secure™ protocol was developed by Visa to improve the security of Internet payments. The protocol is offered with the service name Verified by Visa. MasterCard has also adapted a similar protocol called MasterCard SecureCode. Both are designed to allow authentication of cardholders by their Issuers at participating merchants. The objective is to benefit all participants by providing Issuers the ability to fully authenticate cardholders through the use of a password during Internet purchases, reducing the likelihood of fraudulent usage of Visa and MasterCard credit cards and improving overall transaction performance

.......................................................................................................................................................................................................................................................................................

What does 3D secure stand for?

3D Secure stands for 3 Domain Secure. The three parties involved in the 3D Secure process are the following:

1) The Vendor
2) The Acquiring Bank
3) Visa and MasterCard

Please note that 3D secure does not totally eliminate fraud or chargebacks, therefore merchants should continue to use their anti-fraud systems and security measures

Benefits of 3-D Secure

The combined effect of ease and flexibility of implementation, secure transmission of account information, and reduced disputes offers the following benefits for all parties involved:

Increased consumer confidence, leading to increased sales
Increased card acceptance through better merchant confidence in accepting international transactions
Reduced cardholder disputes, exception handling, retrievals, chargebacks, re-presentments, write-offs, and associated handling costs

Benefits for Members

The primary benefit of 3-D Secure for Members is the reduction in disputed transactions and the resultant exception handling expense and losses. It is expected that nearly 80% of all e-commerce chargebacks and fraud, and a substantial proportion of customer complaints, could be eliminated with the use of Authenticated Payment. This will have a positive impact on Member profitability.

A less tangible, but nevertheless real, benefit is the assurance Members can provide to their cardholders who are considering e-commerce transactions. Studies indicate that as many as a third of cardholders are afraid to shop online due to security concerns. Authenticated Payment may convince prospective ecommerce shoppers that it is safe to use their card online. Another benefit of 3-D Secure is the potential to leverage the infrastructure to support other financial and non-financial applications.

Benefits for Cardholder

Increased consumer confidence when purchasing on the Internet
No special application software is needed at the cardholder access device
Easy to use
Control over card use for online purchases

Benefits for Merchants

Ease of integration into merchant legacy systems

Minimal impact on merchant’s interaction with consumer
Increased sales by enhancing consumer confidence in online purchasing
Reduced risk of fraudulent transactions
Decrease in disputed transactions

Do I need to do anything?

With the Solution 1 and 2 Merchant Account + Gateway you do not need to do anything, 3D secure is available with all of our accounts and no extra development work is required on your site as the process is identical to our standard online payment process, with the exception that we will automatically detect if the cardholder has enrolled to the 3-D secure scheme and will prompt for additional card details. If you are currently using a full API integration some slight integration work may be needed.

With regards to the High-Risk and Adult Merchant Account you need to have your own MPI (Message Passing Interface). It’s also possible to use the MPI of a third party provider. However a monthly fee will be charged by this provider. If you want to use a third party MPI then it will need to be integrated with the acquirer we use. The MPI provider or yourself (if you use your own MPI) will submit to VISA and MasterCard. We will let the acquirer know that you want to use 3D Secure.