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.
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:
When using 3-D Secure for transaction requests, the authentication process can lead to various outcomes, depending on the provided data and the customer's interaction.
With 3-D Secure in place, payments that are successfully authenticated undergo a liability shift.
In the , 3-D Secure transactions yield result data that provides insights into the authentication process.
Testing 3-D Secure authentication
Merchants have the ability to test their hosted 3-D Secure configuration either for the SimulatorPCI Adapter or in conjunction with the PSP's/Acquirer's test environment.
In this section, you'll find specialized articles that delve deeper into the intricacies of 3-D Secure implementation.