In one of our previous articles, we’ve examined some essential benefits of the 3D Secure protection for online merchants. Today, we’re going to dive deeper and explore the three-domain structure in more detail.
The three-domain secure method consists of three elements involved in an online transaction: an acquirer, issuer and interoperability domain provided by a payment system. Using the 3D Secure protocol, a shop’s website displays the page of the card-issuing bank, which prompts clients to enter an additional security code. The bank’s clients can receive it in several ways: an SMS or push notification with a one-time code to their mobile phone or another device, or a permanent 3D Secure pin, preset by the client. Keep in mind that the protocol is not obligatory for all merchants, so there are websites that don’t use 3D Secure.
The protocol adds an additional user authorization step when purchasing from an online shop. The 3D Secure payment process includes the following stages:
The 3D Secure protocol can provide an additional layer of protection for your card as all the buyer’s confirmation information that is transmitted is stored on the issuing bank’s payment server, and online shops don’t have access to it (merchants can only store a part of the information about payment card details in compliance with the standards prescribed in PCI DSS).
This is a commonly asked question by people who want to take advantage of the 3D Secure benefits. This feature is free, and it’s standard for the major international payment systems (such as Visa or MasterCard) to support 3D Secure verification and 3D Secure authentication processes. You can check whether your credit or debit card is 3D Secure on your issuer’s website or at its office. If you have a non-3D Secure credit or debit card, here are some ways to remedy the situation:
As you can see, the three-domain secure protocol is an essential part of the transaction process. At PurePay, we offer our customers 3D Secure systems to ensure their payments are safe during online transactions. If you have any questions, please feel free to contact us.