What is 3-D Secure Authentication
The 3-D secure authentication is a newly introduced security measure for online debit and credit card payment transactions. It has been developed by Visa in order to enhance security for online payments and provide customers with a service which helps them to approve their payment before it is completed.
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3-D Secure Authentication Explained
3-D Secure Authentication is a security protocol which was introduced in order to enhance performance and catalyze e-commerce in the global internet market. This technology enables consumers to approve the online payment before it is processed through the payment gateway.
The system works in the following manner;
1. The cardholder makes a purchase by completing a payment from for the merchant.
2. The merchant makes an authorization request to the payment gateway.
3. The payment gateway responds with a forward_url to the merchant.
4. The merchant redirects the cardholder to the payment gateway.
5. The payment gateway redirects the cardholder to the issuing bank and the 3-D secure form.
6. Once the 3-D secure form is complete, the issuing bank redirects cardholder to the payment gateway.
7. The payment gateway redirects cardholder the approval to the cardholder.
8. The cardholder is able to make the purchase from the merchant as the transaction has been approved through the 3D secure form.
This process appears to be complex but is completed within minutes as the authorization requests and forms are completed by the customer entering their secure password and i-pin (internet pin). The 3-D security adds an extra step to online debit and credit card payment processing however, the additional security ensures safe transactions for customers.
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