Payment Services: 3D Secure Credit Card Validation

3D Secure Credit Card Validation provides an additional layer of protection against fraudulent charges and chargebacks for sales. The 3D Secure Credit Card Validation payment service can increase your customers’ confidence in the security of transactions made in your store. In addition, some payment service providers extend lower processing rates for transactions that are protected by 3D Secure.  The service is available only for eligible payment gateways, and must be enabled by the administrator of your Magento Go store.

The 3D Secure Credit Card Validation payment service enables Verified by VISA and MasterCard SecureCode payer authentication for purchases made by VISA or MasterCard credit cards. Your customers use either the Verified by Visa authentication or the MasterCard SecureCode in addition to their credit card account numbers. (Customers can set up authentication for their credit cards either before they shop or during the purchasing process.) When customers check out of your Magento Go store, they enter additional security information with their credit card information.

Before you begin, it may be necessary to enable 3D Secure in the corresponding merchant account. Sage Pay Direct and Worldpay require 3D Secure to be activated in the merchant account, in addition to configuration settings required for your Magento Go store.

3D Secure Credit Card Validation service works with the following payment methods:

• Authorize.Net
• PayPal Payments Pro
• PayPal Payflow Pro Gateway
• Sage Pay Direct
  Sage Pay Direct is directly integrated with 3D Secure Card Validation, and requires no additional setup.  3D Secure must be enabled iyour Sage Pay Merchant account.

• Worldpay
  3D Secure must be enabled in your Worldpay merchant account.

To enable 3D Secure for most payment methods, require that you complete the following steps:

Step 1: Set up a merchant plug-in application (MPI)

Step 2: Configure 3D Secure for your Magento Go store

Step 3: Enable 3D Secure for the applicable payment gateway(s)

Step 1: Set up a merchant plug-in application (MPI) to enable 3D Secure.

Alternatively, you can use a hosted service to perform the authentication process for you. For more information about merchant requirements, see the websites for Verified by VISA and MasterCard SecureCode payer authentication.

Step 2: Configure 3D Secure for your Magento Go store:

1. From the Admin panel, select System > Configuration.
2. From the Configuration panel on the left, under Sales, select the Payment Services tab.
3. Expand the 3D Secure Credit Card Validation section. Then, do the following:
   
   1. Enter the following information for your 3D Secure Credit Card Validation-enabled account:
      
      • Processor Id
      • Merchant Id
      • Password
   2. Do one of the following:
      • When you are ready to test the configuration and process test transactions, set Test Mode to Yes.
      • When you are ready to “go live” with the 3D Secure Credit Card Validation payment service, set Test Mode to No.
   3. To record the details of all exchanges between your Magento Go store and the 3D Secure Credit Card Validation payment service in a log file, set Debug to Yes.
      

      Note: In accordance with PCI Data Security Standards, credit card information is not recorded in the log file.

4. When finished, click the Save Config button.

Step 3: Enable 3D Secure for the applicable payment gateway(s)