3-D SECURE

Internet transactions continue to grow at a higher rate than they do in the physical world. While there is no doubt that the number and value of internet transactions are increasing, it is also clear that concerns remain regarding the potential for fraudulent use of payment cards on the Internet.
Consumers want the convenience of online shopping with the same security protection that exists in the physical world.

How does 3-D Secure work?

Verified by Visa and MasterCard SecureCode - 3-D Secure - requires the cardholder to provide a personal password or pin number when paying for goods online with their credit card just as they would provide a pin on the high street. This ensures that the shopper is who they say they are when providing card details to an online shop. Cardholders can sign up to the service with their card provider at no cost and are reassured that their card is protected from fraudulent use on the internet.

3-D Secure enabled merchants immediately benefit from a chargeback liability shift on all qualifying transactions. This means that merchants are no longer liable for chargebacks where the cardholder claims fraud or non participation (including transactions where the cardholder is not yet enrolled for 3-D Secure). Please refer to our 3-D Secure Integration and User Guide for more details regarding levels of liability shift and qualifying transactions.

More information on Verified by Visa and MasterCard SecureCode:

VerifiedByVisa.pdf

SecureCode.pdf

What do I need to do?

For existing SECPay merchants wishing to have 3-D Secure enabled on their account:
Please contact us via admin@secpay.com and let us know you are planning to implement 3-D Secure payment authentication.
Please include your website address and SECPay ID number in this email to enable us to prioritise your application.
To process 3-D Secure transactions you will need to implement the functionality on your website. For SECPage customers there are no changes required other than the passing of some additional parameters. For those merchants using one of our APIs (SOAP, XMLRPC) you will need to make some minor changes to your integration. Full details of the changes required are contained in the

3-D Secure Integration and User Guide

SECPay 3-D Secure Features

• Supports Verified by Visa and MasterCard SecureCode schemes
• Complies with 3-D Secure standards
• Helps merchants meet July 2007 MasterCard Maestro mandate
• Minimise online card fraud and customer disputes.
• Accepting cards from other countries will be easier and less risky
• Move into new markets by processing international Maestro Cards
• Financial incentives for processing 3-D Secure
• Receive chargeback protection on qualifying transactions
• Easy implementation
• Obtain relief from fraud liability

Meet the MasterCard SecureCode mandate

MasterCard have announced that all eCommerce Maestro debit card transactions should be SecureCode™ supported from the 1st of July 2007.

The comprehensive guide below provides further details on how to set up and manage 3-D Secure transactions with SECPay.

3-D Secure Integration and User Guide

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