Originally designed and developed by Visa, 3D Secure processing is an XML-based protocol that adds another step in confirming online debit and credit card transactions. Since the creation of Verified by Visa, other credit card associations have adopted similar protocols.
Short for Three Domain Model, 3D Secure processing consists of the three domains:
Although the steps are simple and take seconds to complete, 3D Secure processing will reassure your customers that they can safely purchase from your online store. Here’s how it works:
As yet another layer of security to fight fraud, the credit card association stores all authentication requests on the Authentication History Server in the event of a chargeback or refund.
One of Instabill’s top priorities is to help our merchants reduce the risk of fraudulent card use–that is why we work with acquiring banks that can integrate with 3D Secure processing through our PCI compliant payment gateway. For merchants who want to process using 3D Secure, make sure to specifically ask for a 3D Secure merchant account.
Worried setup will be more difficult? Payment gateway integration is just as easy as regular processing. Our expert technical support team is available every step of the way by calling 1-800-318-2713.