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Process of 3-D Secure payments
MasterCard SecureCode (UCAF), Visa Secure, Diners ProtectBuy, JCB J/Secure and American Express SafeKey are authentication methods which verify the identity of the card holder before making the payment. The name 3-D Secure used by technicians describes only the protocol. The correct brand names are Visa Secure, MasterCard SecureCode, SafeKey, ProtectBuy and J/Secure.
Merchants benefit from authentication with 3-D Secure because the card schemes provide a liability shift: If you are using Visa Secure, MasterCard SecureCode, Diners ProtectBuy, JCB-Card J/Secure or American Express SafeKey, the burdon of proof and thereby generally the liability is shifted from the merchant to the card issuing bank, should the customer dispute the payment. Irrespective of whether the card holder actually uses the authentication you obtain a very high protection against payment defaults / chargebacks in case the customer states they have not authorised the card payment. Your Acquirer will be able to discuss the details of 3-D Secure and the cover that it provides.
From a technical perspective 3-D Secure is not a payment method but an authentication process which precedes the payment: Once the credit card data has been entered,
checks the identity of the card holder and does not process the payment until after the authentication.Multiexcerpt include SpaceWithExcerpt ENWORK MultiExcerptName Platform-Kurz PageWithExcerpt Wording
For further steps it is crucial if the credit card connection is made via form interface or via Server-to-Server-connection. In the first case the
form assumes the further authentication process, with Server-to-Server-connection the merchant has to manage the authentication through a separate interface.Multiexcerpt include SpaceWithExcerpt ENWORK MultiExcerptName Platform-Name PageWithExcerpt Wording
Notice: Please make sure to review our EMV 3D Secure Specification to integrate according to the newest standards.
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| Please notice that in case of Fallback to 3-D Secure 1.0 the URLSuccess or URLFailure is called with GET. Therefore your systems should be able to receive parameters both via GET and via POST. |
Process of a transaction with 3-D Secure via form interface
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Simplified Sequence Diagram
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If the password is correct
obtains confirmation in the form of a signature. Only after confirmation does Multiexcerpt include SpaceWithExcerpt ENWORK MultiExcerptName Platform-Name PageWithExcerpt Wording
start the payment and send the transaction with the signature to the Acquiring Bank.Multiexcerpt include SpaceWithExcerpt ENWORK MultiExcerptName Platform-Kurz PageWithExcerpt Wording
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Details on the integration can be found here: Credit Card Form (paySSL) |
Process of a transaction with 3-D Secure via Server-to-Server-connection
Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName 3DS2Short1 PageWithExcerpt Server-2-Server Integration
Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName 3DS2Short2 PageWithExcerpt Server-2-Server Integration
Multiexcerpt include SpaceWithExcerpt EN MultiExcerptName 3DS2Short3 PageWithExcerpt Server-2-Server Integration
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Details on the integration can be found here: Server-2-Server Integration |
Credit card brands
A list of all supported card schemes can be found here: Card schemes
Integration
Please find here further information for
Credit card - common form
Detailed information of integration via Payment forms
Card processing - common Server-to-Server
Detailed information of integration via Server-to-Server API
Card processing - Capture / Credit / Reversal / PayNow / Batch
Detailed information how to integrate further processes
EMV 3-D Secure
Information and integration of EMV 3-D Secure / 3-D Secure 2.x