3D-Secure Payment Gateway functionality

Written by

James Davis

Written by James Davis

Senior Technical Writer at United Thinkers

Author of the Paylosophy blog, a veteran writer, and a stock analyst with extensive knowledge and experience in the financial services industry that allows me to cover the latest payment industry news, developments, and insights. Read more

Reviewed by

Kathrine Pensatori

Reviewed by Kathrine Pensatori

Product Specialist at United Thinkers

Product specialist with more than 10 years of experience in the Payment Processing Industry. I help payment facilitators and PSPs solve their various payment processing issues. Read more

E-commerce transactions represent one of the most vulnerable industries and require additional protection against fraud. In order to grant this protection, 3D-Secure protocol was developed.

If you need to handle e-commerce transactions, incorporating 3D-Secure verification functionality into your payment gateway might be a good idea. Some of your customers might be using the payment page. To deal with these customers, you need to include 3D-Secure-related functions into checkout mechanism, already implemented within your payment page. To deal with customers, who are not using the payment page and prefer to submit their transactions through an API, you need to develop a special procedure, allowing you to redirect these customers to the web-site of the card issuer for verification of identity.

Implementation of 3D-Secure Payment Gateway

Implementation of 3D-Secure mechanism is not a complex process. However, it includes such an important step as the choice of merchant plug-in (MPI) provider. An MPI is a special module, designed to verify if a particular card is enrolled in the 3D-Secure program. This verification is performed prior to the customer’s identity check. Only if MPI verification indicates that a particular card is enrolled in 3D-Secure program, the customer can be redirected to the issuing bank’s web-site for the check of identity.

More detailed description of 3D-Secure verification process can be found in the respective article on #Paylosophy.