3D Secure Processing
Being in the online market, your prime motive almost certainly is to provide the most secure payment methods to your clients. And, being in the industry providing merchant account services to businesses, we are dedicated to providing you with ways for secure online transactions so that you can give your clients the most secure way to carry out transactions.
3D secure processing is one such way that we at Advanced Merchant Systems provide our clients with an extra level of security for their credit and debit card payments. Designed originally by Visa, 3D securing processing is an XML-based protocol, which adds extra security in confirming online debit or credit card transactions.
3D securing processing technology consist of a program, Verified by Visa. Since the creation of Verified by Visa, many other credit and debit card associations have also adapted the similar protocol. Some of the credit card associations that have been the early adaptors of the 3D secure technology include – MasterCard SecureCode, JCB International J/Secure and American Express SafeKey.
Working Of the 3D Secure Processing Technology
When you are making a payment online, using a debit card or a credit card, you are required to enter your card details. Once you have entered the credit card details on your merchant site, you will be redirected to a new page requesting you for your personal security code. Your bank will in real time authenticate your transaction to confirm that the individual making a payment using the card is the actual person. This makes making payments online really secure, because even if your card details are hacked you still have a unique 3D secure code that no one else knows.
3D secure processing is short for Three Domain Model, and as explained it is comprised of three main bodies – the Acquirer Domain (which is the merchant or acquiring bank) the Issuer Domain (i.e. the credit card issuing bank), and the Interoperability Domain (which enables the Acquirer Domain and Issuer Domain to authenticate each other).
The simple 3D secure process can be completed in seconds and the customer can be reassured that they can safely purchase using their cards from an online store.
Let go through how the process flows once again
When a customer purchases something from an online store using their Visa credit card, the Visa Directory Server receives authentication request from your server about the credit card number. The Directory Server authenticates the card number and redirects validation requests to the Issuer Access Control Server. When ACS authenticates the card number, it sends back a message to you that the transaction has been made successfully.
In addition to adding an extra layer of protection against fraud and forgery, the credit cards associations store the validation request in the Authentication History Server for case of chargeback or refund, if they may arise.
3D securing processing with Advanced Merchant Systems
The main motive behind providing merchant account services at Advanced Merchant Systems is to reduce a merchant’s risk of processing credit card and debit card payments. In order to facilitate our customers and to provide them with the most secure gateway to accept credit card payments, we work very closely with some of the finest acquiring banks, which can integrate 3D secure processing technology through our processing gateway.
Therefore, if merchants want to process their payments using 3D secure, we recommend that you ask us specifically to set up a 3D secure processing merchant account for you.
In case you have a problem on the way, or have any queries about the advantages you can draw from our 3D secure merchant account, you can get in touch with our tech team at 855-267-8472 and they will help you through the process. Alternatively, you can also drop a quick online query!