3-D Secure

Visa has developed authenticated payment capabilities to improve online transaction security and to help encourage the growth of e-commerce. By creating a virtual ‘card present’ environment during Internet transactions, guaranteed payments for merchants and a safer online commerce experience for cardholders is envisaged.

MasterCard have implemented their version of 3-D Secure, called ‘MasterCard SecureCode’, while Visa have called their brand ‘Verified by Visa’. Both of these protocols are brand identities for the 3-D Secure cardholder authentication scheme.

3-D Secure is a payments protocol based on an architecture known as the "Three Domain Model" and builds on proven SSL technology to provide a standard, secure method of performing transactions over the Internet through authentication of all parties involved in an online transaction:

• the merchant and its bank (Acquirer Domain)
• the Cardholder and their bank (Issuer Domain)
• the Cardholder's bank and the merchant's bank (Interoperability Domain)
• Visa have begun their global rollout of their ‘'Authenticated Payment Program’ which will vastly improve the payment service for merchants and consumers. This will be achieved by enhancing convenience, acceptance and security.

Key Features

• Supports Verified by Visa and MasterCard SecureCode
• Pre-accredited with major acquiring banks
• Ease of integration via XML API in conjunction with the DataCash MPI or a 3rd Party MPI

Key Benefits

• Minimise online credit and debit card fraud and customer disputes
• Obtain relief from fraud liability, receiving chargeback protection on qualifying transactions
• Reassure customers that transactions are being handled securely

Also see: Age and Identity Verification, Address and Security Code Verification

These pages are also available in PDF format - click here to download our Ecommerce Security PDF (you will need Adobe Reader to open PDF files)

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