3D Secure
Shifts liability on 70% of chargebacks
Fully supported across all PayPoint.net systems, 3D Secure shifts liability for chargebacks away from the Merchant where the cardholder claims fraud or non-participation – including transactions where the cardholder has not yet enrolled for 3D Secure or where the issuer can’t support it. That amounts to a massive 70% of all chargebacks for which you are no longer potentially liable.
And given that 3D Secure (also known as ‘Verified by Visa’ and ‘MasterCard SecureCode’) has been made obligatory by MasterCard for all Maestro internet transactions, trading online without participating in this scheme isn’t advisable, as it could exclude a significant percentage of your prospects.
For cardholders to take advantage of the service, they just need to complete a one-off registration at the card issuer's site, where they select a password and agree a secret phrase. This unique authentication data is required for the authorisation of online transactions with any Merchants participating in the 3D Secure scheme. Both parties benefit: the cardholder knows that no one else can use their card at a 3D Secure enabled merchant and the merchant can be confident that they avoid liability from chargebacks relating to fraud.
:: Key features:
- Fully supported across all PayPoint.net payment solutions
- No third party service required – saving you time and money, while also avoiding many weeks undertaking laborious card scheme compliance testing
- PayPoint.net offers 3D Secure with both our hosted and API (Application Programming Interface) payment solutions
- Opt for a PayPoint.net complete online payment solution and the entire process is managed by us
- For remote integration via our API, 3D Secure is integrated with our MPI (Merchant Plug In). No costly formal certification of the resultant 3D Secure implementation is required
- The PayPoint.net MPI will handle all functions of the 3D Secure process and supply responses necessary for you to integrate the service and provide re-directs for eligible cardholders
- Our MPI will also decode and report the outcome of directory server enrolment checks and the payer authentication – allowing immediate recognition of chargeback liability shift
- The PayPoint.net MPI is approved and registered by both Visa and MasterCard
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