3D Secure result tab
3D Secure (also called "Paiement sécurisé" by CB,"Visa Secure" by Visa, "Mastercard Identity check" by Mastercard and "Safekey" by American Express) is an international protocol standard used for securing online transactions.
The principle of 3D Secure consists in asking the buyer, in addition to the usual bank details (bank card number, expiry month and year, CVV code - if the card has one), to provide additional information that is not linked to the card to make sure that the buyer is the owner of the payment method. In most cases it is a one-time confidential code communicated by e-mail or by SMS for each new transaction. If this information is not correctly filled in by the buyer, the transaction ends.
Its purpose is to:
- Reduce fraud for merchants,
- Secure payments for buyers.
The diagram below illustrates the principle of the 3D Secure 2 authentication:
The diagram below illustrates the principle of the 3D Secure 1 authentication:
Thus, depending on the results returned, the payment gateway provides several profiles to trigger actions.