3-D Secure

Description

3-D Secure is a method to securely authenticate credit card payments and to prevent fraud. 3-D Secure stands for "three domains" meaning merchant/acquirer domain, the issuer domain, and the interoperability domain.

3-D Secure stands for "Three-Domain Secure". The three domains are:

• Acquirer domain (the bank and the merchant to which the money is being paid).

• Issuer domain (the bank which issued the card being used).

• Interoperability domain (the infrastructure provided by the card scheme, credit, debit, prepaid or other types of a payment card, to support the 3-D Secure protocol). It includes the Internet, merchant plug-in, access control server, and other software providers

Valid names are:

• Common 3-D Secure: 3-D Secure, 3DS

• 3-D Secure 1.x: 3DS1

• 3-D Secure 2.x: EMV 3DS, 3DS2, 3DS v2.1.0, 3DS v2.2.0

3-D Secure 1.0 has been started in 2000 and 3-D Secure 2.x has been started in 2019. The card holder has to enroll the credit card at the issuer for 3-D Secure.

The big differences that came up with 3-D Secure 2.x are:

• Strong Customer Authentication (SCA)

• Support for biometric authentication

• Option for frictionless authentication, i.e. authentication without customer challenge

Further information can be found here: https://computop.com/us/solutions/3d-secure

Further information on integration can be found here:

• Technical process: EMV 3-D Secure

• Implementation via Computop Paygate Forms: Credit Card Form (paySSL) -> for easiest PCI DSS certification

• Implementation via Computop Paygate Server-2-Server: Server-2-Server Integration -> for full flexibility

• Implementation via Computop Paygate Forms: Silent Order Post (PayNow) -> for easy integration into your shop