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Online merchants - by taking advantage of available cardholder authentication services on your e-commerce transactions, you can get improved rates, prevent fraud, and even get charge-back protection so that if a fraud related charge-back does occur - you may not be financially responsible*.

The cardholder authentication services I'm talking about?  Verified By Visa, MasterCard SecureCode, and JCB J/Secure.  All of these services are built on Visa's 3-D Secure protocol.

For more in formation about how 3-D Secure works, check out this 3-D Secure tutorial, and if you have any questions about the process, feel free to leave a comment here or contact me through this blog. The tutorial walks through the entire 3-D Secure process, and shows how you can add 3-D Secure functionality to your own web application (the demo uses .Net, but the same procedures apply in Java and C++ as well).  The tutorial makes use of /n software's 3-D Secure MPI product, which has been certified Verified by Visa since 2002:

The 3-D Secure component allows easy integration of Verified By Visa, SecureCode, & J/Secure capabilities into online shopping carts, websites, and merchant systems, while providing extraordinary flexibility to software developers through easy to use component interfaces.

Previously, only the ASP Edition of /n software's 3-D Secure MPI product was available, but now the .NET, Java, C++, C++ Builder, and Delphi editions have also been made available!

* If you use Verified By Visa.  According to Visa, "Merchants who use Verified by Visa are protected from fraud-related chargebacks on all personal Visa cards—credit or debit, domestic, or international—whether or not the issuer or cardholder is participating in Verified by Visa, with limited exceptions."

More info:  check out this 3-D Secure tutorial

Posted on Tuesday, January 15, 2008 3:21 PM Programming | Back to top


Comments on this post: Step Up Your E-Commerce Transactions: Get Better Rates and Prevent Fraud

# re: Step Up Your E-Commerce Transactions: Get Better Rates and Prevent Fraud
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Hi,

Do you know, upon the merchant receiving Payer Authentication response (as part of 3D Secure), if there is any communication by the merchant to the processor/issuer? If so, do you which elements in a message buffer (e.g., ISO8583) would these (3D Secure response) reside at?

Thanks for your help,
Manju
Left by Manju on May 18, 2008 9:58 PM

# re: Step Up Your E-Commerce Transactions: Get Better Rates and Prevent Fraud
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Quite inspiring,

Thanks for sharing,

Keep up the good work
Left by software development in london on Dec 14, 2009 4:49 AM

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