Enhance Security with Credit Card 3D Verification

Credit card 3D verification is a game-changer when it comes to online security. It adds an extra layer of protection to prevent unauthorized transactions, reducing the risk of credit card fraud.

This technology uses a combination of static and dynamic authentication methods to verify the cardholder's identity. The static method involves the cardholder's static data, such as their name and card number, while the dynamic method involves the cardholder's dynamic data, such as their card verification value (CVV).

By implementing credit card 3D verification, businesses can significantly reduce their exposure to chargebacks and associated fees. According to a study, businesses that use 3D verification experience a 30% reduction in chargebacks.

The result is a safer and more secure online shopping experience for both the cardholder and the merchant.

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3D credit card verification is a security feature that protects your card from fraudulent activity when making purchases online. It adds an extra layer of security to the transaction process, but can also make the checkout flow less seamless.

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The 3D Secure 2.0 (3DS2) version of this feature was introduced to provide a better experience for customers across mobile devices and desktops. It meets the requirements of PSD2 and is a method of Strong Customer Authentication.

To verify a cardholder's identity, 3DS2 collects and sends more data to the customer's issuing bank, including their IP address, browser language, and merchant category code. This data helps the bank decide whether further security measures are necessary.

Here's how 3D credit card verification typically works:

In some cases, customers may not be subject to 3D secure measures, such as for low-risk transactions under a certain amount or regularly recurring payments.

The 3D credit card verification process is a vital security measure for online transactions. It ensures that the person making the purchase is the actual card owner.

Here's a step-by-step breakdown of how it works:

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.

The 3D secure process adds an extra step to the payment process that redirects customers to the card issuer during checkout.

The issuing bank uses the data points collected during the transaction to decide whether further security measures to validate the customer's identity are necessary.

If the bank decides to approve the transaction straightaway, the customer won't need to do anything else.

However, if the bank requires more information, the customer may be asked to provide a biometric like a fingerprint or a PIN code.

This extra layer of security helps prevent unauthorized transactions and ensures that the person making the purchase is the actual card owner.

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Here's a summary of the 3D secure process:

By understanding how 3D credit card verification works, you can feel more confident when making online purchases and ensure that your transactions are secure.

Credit card 3D verification is a game-changer for online transactions, providing an extra layer of security to protect both merchants and customers from online payment fraud.

The main benefit of 3D secure is that it helps stop card details from being stolen and used online, limiting online card fraud when customers make a transaction.

By verifying the identity of the cardholder, 3D secure protects against unauthorized transaction chargebacks, passing the liability to the card payment provider.

This means merchants can save time and money with fewer settlement disputes with customers.

Here are the key benefits of 3D secure:

With 3D secure, merchants can also reduce their liability and improve compliance with industry standards, leading to increased sales and happier customers.

Our 3D Secure credit card authentication platform provides an extra layer of security that supports fraud protection. This platform verifies that the person submitting the payment is the true owner of the credit card being used, typically by asking them for a secure PIN.

By using our platform, you can minimize the number of disputed transactions and improve sales results. This is because our platform protects your customers from unauthorized chargebacks.

The primary benefit of our 3D Secure credit card authentication platform is that it provides an extra layer of security. This security reduces the likelihood of chargebacks and improves your chance of successful disputes if chargebacks do occur.

Our platform also prevents stolen card details from being used to purchase services or goods through your site. This is because the individual attempting to make the card-not-present purchase must verify that they're the rightful card holder.

Here's a summary of how our 3D Secure credit card authentication platform works:

62% of cardholders will abandon a cart after a decline while online shopping.

A simple checkout process can make all the difference, and 3D Secure provides just that.

This is especially true when customers feel secure and satisfied with their shopping experience, and sales increase as a result.

By reducing false declines and providing more information for authentication, 3D Secure can increase your approval rate, making it a win-win for both you and your customers.

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62% of cardholders will abandon a cart after a decline while online shopping.

This is a staggering number, and it highlights the importance of minimizing declines to keep customers engaged.

Using 3D Secure can increase your approval rate by sending multiple data points to card issuers, which helps authenticate consumers at the time of purchase.

The latest version of 3D Secure also addresses the problem of false declines, where issuers decline legitimate transactions by mistakenly suspecting fraud.

There are two versions of 3D Secure: 1.0 and 2.0, with the latter offering improved security and authentication features.

Improving the customer experience is crucial for driving sales and encouraging repeat business. This is achieved through safe transactions and simple checkout processes.

Customers feel secure and satisfied with their shopping experience when they know their transactions are protected. With 3D Secure, you increase your chances of customers returning to your site to shop again.

A seamless checkout process can make all the difference in keeping customers engaged. By minimizing friction and making the process as smooth as possible, you create a more positive experience for your customers.

Connecting a 3DS API to your shopping cart is easily done with leading eCommerce platforms like Shopify and Magento.

To set up 3D secure authentication, you'll also need to select a payment gateway solution that includes 3D secure. Here at takepayments, 3D secure authentication is included as standard in our online payment gateway solution.

A merchant account is a separate entity from your business bank account, where your payment funds are checked and processed before being sent to your account for you to access.

When 3D secure authentication fails, it's usually because the customer has entered their card details or additional authentication passcode incorrectly.

This safety mechanism prevents scammers from using stolen card details, as they may not be able to get past the 3D secure authentication.

If the customer has double-checked their card details and still receives a failure message, they'll need to contact their card provider for help.

Some browser extensions, like pop-up blockers, can interfere with the 3D secure page and prevent it from working properly.

Disabling browser extensions or trying the payment again from a different browser can sometimes fix the error message.

To set up 3D secure authentication for your business, you'll need to connect a 3DS API to your shopping cart, which can be easily done with leading eCommerce platforms like Shopify and Magento.

Connecting a 3DS API to your shopping cart is a straightforward process, and it's a crucial step in setting up 3D secure authentication.

You can also select a payment gateway solution that includes 3D secure, such as takepayments, which offers a range of UK shopping carts to choose from, including Magento, Prestashop, and WooCommerce.

To accept credit or debit card payments with 3D secure authentication, you'll need to set up a merchant account, which is a separate account from your business bank account.

Here are the steps to set up 3D secure authentication:

Setting up a merchant account is like creating a holding area where your payment funds are checked and processed before being sent to your account for you to access.

To set up 3D secure authentication, you'll need to connect a 3DS API to your shopping cart, which is easily done with leading eCommerce platforms like Shopify and Magento. This step ensures a secure payment process for your customers.

Selecting a payment gateway solution that includes 3D secure is also crucial, and it's included as standard in our online payment gateway solution, along with IP address, AVS, and CV2 checks.

A merchant account is necessary to accept credit or debit card payments with 3D secure authentication, and it's a separate account from your business bank account. Think of it as a holding area where your payment funds are checked and processed before being sent to your account.

To collect a secure token, you'll need to display the 3D secure form for your customers, which can be their card password or a SMS message containing a verification code. This is the first step in the 3D secure payment process.

The implementation of the 3D secure form varies depending on your payment form, but you'll need to add the secure_redirect_url and secure_return_method parameters to your charge request. The value of secure_return_method should be set as "url" to get a redirect URL instead of a HTML form.

Here's a sample charge response object that includes the redirect URL:

You'll need to add the secure_redirect_url, brick_fingerprint, and brick_token to the redirect URL, so they can be passed into the second charge request.

To re-submit a charge request with 3D secure enabled, you'll need to include the charge_id and secure_token parameters in the request. These parameters are brick_charge_id and brick_secure_token, respectively, which are returned by the issuing bank for 3D secure purposes.

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3D Secure 2.0 was introduced to provide a better experience for customers, especially on mobile devices, while meeting PSD2 requirements.

It works by collecting and sending more data to the cardholder's issuing bank, which can then make informed decisions about approving transactions without requiring additional security measures.

The 3D Secure 2.0 process involves collecting data points such as IP address, browser language, and merchant category code, which are sent to the cardholder's issuing bank for approval.

For example, if the bank decides that the transaction is low-risk, it may approve it straight away without requiring the cardholder to input any additional data.

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3D Secure 2.0, also known as EMV 3D Secure, is a more streamlined version of the 3D Secure payment process.

It was introduced to provide a better experience for customers across mobile devices and desktops.

This version meets the requirements of PSD2 and classes as a method of Strong Customer Authentication.

3D Secure 2.0 works by collecting and sending more data to the customer's issuing bank, such as an IP address, browser language, and merchant category code.

This allows the bank to make informed decisions on whether to approve a cardholder's transaction without needing to trigger 3D Secure security requirements.

The process involves collecting certain data points, sending them to a 3DS server, and diverting them to the cardholder's issuing bank for approval.

The bank then evaluates the data points to decide whether further security measures to validate the customer's identity are necessary.

Here's a step-by-step overview of the 3D Secure 2.0 process:

The goal of 3D Secure 2.0 is to create a frictionless experience for customers while maintaining security.

Using 3D Secure's credit card authentication protocol is highly recommended, even if it's not mandatory in all locations or transactions.

In the EU and India, for example, transactions over a certain value require 3D Secure payment authentication. This is a good practice to follow for all transactions.

The 3D Secure process involves a secure authentication challenge that's displayed within a secure payment page iframe, eliminating the need for further integration or redirection.

This approach provides an additional layer of security for customers when entering their card details.