3-D Secure is an authentication procedure supported by Datatrans, which ensures that transactions made online are carried out by the legal cardholder. This security standard protects cardholders and merchants against the misuse of credit card data. Each credit card brand markets this standard under its own name, such as Mastercard SecureCode, Verified by Visa or American Express SafeKey.
3-D stands for "3 Domain Server", because three parties are involved in the 3-D Secure process:
During the payment process in the web shop, a window appears either for the cardholder to identify him- or herself by the card issuing bank. The identification is done by entering a password or a mobile TAN (similar to entering a PIN at an ATM). The payment can only be completed upon entry of the correct password, which is known exclusively to the cardholder and the issuing bank.
Below is a description of the various 3-D statuses shown in the Datatrans Web Administration Tool (back office):
A = Authorized, activation during shopping (prompted to subscribe the card to 3-D Secure program).
C = Blocked/freezed, authentication not completed (the bank forces the cardholder to participate in the program).
D = Authorized, normally protected by 3-D, merchant has fulfilled the 3-D obligation.
N = Rejected, authentication failed.
U = Rejected, transaction has no 3-D status, merchant is fully liable for the amount.
Y = Authorized, authentication successful.
If you have any further questions about 3-D Secure, please contact your acquirer or Datatrans support.