3D Secure is a service that provides consumers with two-factor authentication to validate online transactions, thus increasing the level of security of purchases and payments made on the internet.
It is therefore an advanced tool to protect consumers from the risks associated with scams that can arise from electronic payments.
3D Secure is available on all cards that rely on the international MasterCard (Mastercard Identity Check) and Visa (Verified by Visa) circuits, but must first be activated in order to work. Activation of this authentication is possible from the portal or from the banking app.
The operation of 3D Secure is very intuitive. Anyone making an online payment receives a temporary code on their mobile number or a notification on their banking app to proceed with the transaction. It is always good to make sure that the Secure Code logo is correctly displayed on the web page.
The 3D Secure protocol with version 2 introduces new authentication methods and improves the cardholder shopping experience.
3D Secure 2
The 3D Secure 2.2 protocol adopted by the main international circuits, introduces new authentication methods, able to improve and speed up the cardholder's purchase experience.
In particular, the protocol allows an exchange of more information between the merchant and the card issuer, in order to allow a better assessment of the risk of the transaction, simplifying the customer's purchase experience and improving the conversion rate at check out.
In many cases the information retrieved from the purchaser's device and the additional information passed by the merchant will be sufficient to authenticate the card holder transparently, without further interaction. In some cases, instead, for transactions that present higher risks, active authentication of the customer will be required.
The gateway independently retrieves many additional data, while others can be sent from the merchant's site during the payment initiation phase. In the API dedicated to payments, it will be possible to find the "customerInfo" object containing the data dedicated to 3D Secure 2.