3-D Secure
3-D Secure or Secure E-Commerce (SEC) is a protocol defined by Visa and MasterCard that is implemented to provide additional security for online credit card transactions. This security standard protects the cardholder and the merchant from misuse of credit card data.
3-D Secure requires the registered cardholder to identify him-/herself with a personal password (analogous to entering a PIN at the cash dispenser/ATM) every time he/she makes an online transaction.
Currently, acquirers in Switzerland and Germany will not issue Internet contracts without the addition of 3-D Secure. The merchant is thus obliged to apply the 3-D Secure service to every transaction.
Datatrans offers you a fully integrated 3-D Secure solution.
Datatrans has at its disposal a certified 3-D Secure interface, which is fully integrated into the payment process. It is available in both connection options: standard mode and hidden mode.
Thus, no additional modifications are required. Datatrans’ payment application automatically detects whether or not the card being used is a 3-D Secure card. If it is, the application opens the 3-D Secure authentication page of the corresponding issuer. In other respects everything proceeds as usual.
The 3-D Secure status of individual transactions is displayed in Datatrans’ Web Administration Tool.
When making an online payment with Verified by Visa or MasterCard SecureCode the cardholder confirms his/her identity with a password. Payments made using 3-D Secure are guaranteed by the contractual company. The cardholder’s card is password-protected, and thus the cardholder retains complete control over its use in e-commerce.
Information and demos from Visa
Information from MasterCard
MasterCard SecureCode: How it works
- Reduced risk of fraud due to the identification of the person placing the order
- Higher payment guarantee
- Additional turnover in your online shop because security concerns are reduced for your buyers
- Modified liability provisions favour the operators of online shops
- Attractive conditions
(Source: SIX Multipay)
Important!
Even with 3-D Secure you are obliged to adopt security measures aimed at fraud prevention. We therefore suggest that you contact your acquire regarding liability regulation.
The 3-D Secure security system (like other measures aimed at fraud prevention) and hence also the liability shift are only effective if used properly.
Check your orders and evaluate the risk! You know your business best.
We provide you with appropriate tools for effective risk management, in particular the mandatory requesting of the check digit CVV2/CVC2 code.