3D Secure Credit Card Authentication

When allowing customers to purchase products or services online, you might be concerned about fraud transactions or chargebacks and refunds. But with PCI Booking’s 3D Secure credit card authentication platform, you can rest assured that each transaction is legitimate.

What Is 3D Secure Credit Card Authentication?

3D Secure is an enhanced security protocol designed to protect online (card-not-present) credit and debit card transactions.

With PCI Booking’s 3D Secure credit card authentication protocol, customers must complete an extra authentication step to verify that they’re the card owner making the transaction. This requirement is in the form of a prompt from the card issuer, asking the customer to enter a code sent to their mobile phone. Previous iterations of 3D Secure asked customers to enter a preset password, but this requirement has changed to a more seamless method of one-time passwords (OTPs).

By now, customers who purchase goods or services online or use online banking services should be aware of the process involved. Visa calls their 3D Secure process Verified by Visa, while Mastercard’s solution is MasterCard SecureCode.

How the 3D Secure Process Works

The 3D Secure process works by adding an extra step to the payment process that redirects customers to the card issuer during checkout:

The customer enters payment details on the website’s checkout page, and transaction details are submitted to the issuing bank.
The issuing bank replies with the relevant challenge screen they would like to display to the customer.
At the same time, the customer is prompted to enter a one-time authentication code or password that allows the issuing bank to perform a credit card verification and approve the transaction.
Once the code has been entered, the customer is directed back to the main payment page and ready to purchase products from you in the future.

Aside from complying with regional or national regulations, 3D Secure authentication provides you with the assurance that this transaction is being made by a real person (not a bot for example) and that this person is in fact the card owner (and not a thief with a picture of the card).

Once the customer is authenticated, the 3D payment authentication result is stored in a token. You then send the additional data to the issuing bank with each transaction—no continuous user authentication required. We’ve also integrated 3D Secure credit card support with our most popular payment gateways, and we’re always adding more.

Our Payment Authentication Recommendation

While it’s only mandatory in several locations and / or types of transactions (for example, it is mandatory within the EU or in India for transactions over value of Rs.2,000), PCI Booking recommends that the 3D Secure payment authentication process be used whenever capturing your customers’ credit cards. After implementing 3D Secure’s credit card authentication protocol, customers are prompted to respond to a “challenge” for user authentication when entering their card details. The secure authentication challenge is displayed by us within the secure payment page iframe, removing the need for further integration or redirection away from the payment page from your side.

Improve Fraud Protection With Our 3D Secure Credit Card Platform

With PCI Booking’s 3D Secure credit card authentication platform, you can improve fraud protection to keep your customers’ card details secure and your reputation intact. Contact us today to schedule a consultation and learn more about our 3D Secure process.

The Benefits of Our 3D Secure Credit Card Authentication Platform

The primary benefit of our 3D Secure credit card authentication platform is it provides your customers with an extra layer of security that supports fraud protection, but our 3D Secure process has a wide range of other benefits, too.

Prevents Stolen Card Details

Since the individual attempting to make the card-not-present purchase must verify that they’re the rightful card holder, our 3D Secure credit card authentication platform removes the risk of stolen card details being used to purchase services or goods through your site.

Protects From Unauthorized Chargebacks

Removing the risk of stolen card details also means that our 3D Secure credit card authentication platform protects your customers from unauthorized chargebacks, allowing you to minimize the number of disputed transactions and improve sales results.

Shifts Liability

Our 3D Secure process shifts liability once it’s approved. With our 3D Secure credit card authentication platform, the card payment provider is responsible for chargebacks and refunds if they occur, protecting the customer’s card details and preventing you from being liable for chargebacks.

Facilitates More International Transactions

Because our 3D Secure process adds an extra layer of security to credit and debit card transactions, you and your customers can feel more secure making international transactions. This allows you to reach new countries and offer customers more buying opportunities.

Keeps You Compliant

As compliance experts, PCI Booking keeps you compliant with 3D Secure. Our platform meets current regulatory requirements for storing and processing credit and debit card transactions, providing customers with a secure shopping experience and keeping your business compliant.

Improves the Customer Experience

When customers feel secure and satisfied with their shopping experience, your sales increase. With 3D Secure’s safe transactions and simple checkout processes, you increase your chances of customers returning to your site to shop again.

Explore the Benefits of 3D Secure Credit Card Authentication

With PCI Booking’s 3D Secure credit card authentication platform, you get a wide range of benefits, including:

Card Detail and Fraud Protection
Less Liability
Fewer Chargebacks
Improved Compliance
Happy Customers
Increased Sales

Our platform ensures that the individual attempting to make the card-not-present purchase is the cardholder, removing the risk of stolen card details being used to purchase services or goods through your site. By removing the risk of stolen card details, 3D Secure also eliminates the risk of chargebacks caused by fraudulent activity. That way, if the cardholder disputes a payment, card brands have shifted liability from the merchant to the issuer. Contact us today to schedule a consultation and learn more about our 3D Secure credit card authentication platform.