3-D Secure
3-D Secure is an additional security layer for online credit and debit card transactions. Originally developed by Visa under the name "Verified by Visa", the protocol has been adopted and used by other major card schemes under various names (e.g., MasterCard Identity Check, Visa Secure, American Express SafeKey, Discover ProtectBuy, etc.). It is designed to authenticate cardholders and reduce fraudulent purchases by verifying the cardholder at the time of the transaction.
As a merchant or business, implementing 3-D Secure into your payment process can help provide a safer online shopping experience for your customers and potentially reduce chargebacks associated with fraud.
For a detailed, step-by-step guide on integrating 3-D secure, refer to the 3-D secure guide in our guides section.
Articles
In this section, you will find detailed information and resources to help you integrate and effectively utilize 3-D Secure in your payment process with IXOPAY platform. Explore the following topics to gain insights into the implementation, benefits, and outcomes of 3-D Secure:
Authentication flows
Reference for 3-D Secure authentication flows: frictionless, challenge, and error flows with their success and error results and transStatus codes.
Liability shift
Understand 3-D Secure liability shift: when chargeback responsibility moves to the card issuer and how to read Electronic Commerce Indicator codes.
Transaction Results
3-D Secure transaction result fields: threeDSecure and ECI codes in API responses and callback extra data for analyzing authentication outcomes.
Testing 3-D Secure authentication
How to test hosted 3-D Secure using the SimulatorPCI adapter or a PSP test environment, including simple and extended 3DS simulation modes.
Advanced guides
In this section, you'll find specialized articles that delve deeper into the intricacies of 3-D Secure implementation.