As we gear up to release 3D Secure services to our clients, we need to discuss some “back office” information needed for 3DS authentication.
3DS authentication is a merchant-initiated activity. Similar to charging a card, an organization needs to be registered with an acquirer as a “merchant” in order to perform these actions.
This means that in order to perform 3D Secure authentication on cards processed through PCI Booking, PCI Booking will need to provide the 3DS provider the relevant merchant information for the entity performing the 3D Secure authentication.
In order to help our clients and make the deployment more streamlined, PCI Booking will be registered as the default merchant for processing 3DS on cards tokenized in our system. However, we strongly recommend that you provide us with your merchant information so that we can use those when submitting 3DS authentication requests on your behalf. Doing so will have the following benefits:
- Some banks verify the merchant information of the charge request with the merchant information of the 3DS authentication. Using the same merchant information for both charge and 3DS authentication requests will reduce the risk of a failed charge.
- The 3DS challenge displayed to customers shows the name of the merchant performing the authentication. If you use the default PCI Booking merchant, the name displayed on the challenge prompt will be “PCI Booking Limited”. If you provide us with your merchant information, the name displayed will be your own.
If you already have a merchant account with an acquirer, simply provide us with the information requested below and we will add it to our system.
If you do not have a merchant account, please contact our support and we will introduce you to our acquirer who may be able to offer you a merchant account for 3DS authentication purposes.
If you are processing 3DS authentication on behalf of your customer(s), simply provide us with the fields listed below in a spreadsheet where each row is one of your customers.
The information you should provide us: