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3-D Secure

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3-D Secure is a security feature that helps to verify the cardholder’s identity during e-commerce transactions.

Each time the merchant runs a transaction, the issuing bank assesses the transaction. If the risk of fraud is high, the issuing bank uses 3-D Secure to challenge the cardholder to verify their identity.

How it works

The following diagram shows how 3-D Secure works with your integration.

  1. Your integration converts the cardholder’s payment details into a single-use token.
  2. Your integration sends the single-use token and the transaction details to our merchant plug-in (MPI) service.
  3. The MPI service sends the details to the cardholder’s issuing bank, which assesses the risk of fraud and, if needed, challenges the cardholder to verify their identity.
  4. We send the result and the MPI reference to your MPI receipt URL.
  5. Your integration sends a payment request with the MPI reference to our gateway. Our gateway returns the transaction result.

Guides

Run a sale with 3-D Secure

Use 3-D Secure to verify a cardholder’s identity before you run a sale.