Sale with

3-D Secure

3-D Secure

helps to minimize costly fraudulent transactions by adding an extra layer of protection to the payment process. Payer Authentication uses the

3-D Secure

protocol in online transactions to verify that payment is coming from the actual cardholder. Most transactions can be authenticated without the customer being aware of the process, but higher-risk transactions might require an exchange of one-time passwords (OTPs) during authentication. This authentication of the payer before the transaction, benefits the merchant by shifting chargeback liability from the merchant to the card issuer.

The authentication and sale transactions can be bundled together or can occur sequentially, for example, authentication followed by authorization. Two types of bundled scenarios are possible:

Combining Check Enrollment with Sale: When a customer is authenticated without a challenge, the transaction can be authorized in the same request or in a separate authorization request. Whether authorization occurs in the same request or a separate request, the values from the check enrollment response must be passed to the authorization request to qualify for a liability shift.
Combining Validation with Sale: When a customer is authenticated after a challenge, the transaction can be authorized in the same request or in a separate authorization request. Whether authorization is combined with validation or occurs in a separate request, the values from the validation response must be passed to the authorization request to qualify for a liability shift to the issuing bank.