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.
Note: Before you begin, it may be necessary to enable 3D Secure in the corresponding merchant account. Ogone DirectLink and Worldpay require 3D Secure to be activated in the merchant account before the service can be enabled in your store’s configuration.
3D Secure Credit Card Validation service works with the following payment methods:
To enable 3D Secure for most payment methods, 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)
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.
Note: For Ogone DirectLink, you can skip this step. Enabling 3D Secure while working in test mode, causes transactions to fail.
Note: In accordance with PCI Data Security Standards, credit card information is not recorded in the log file.
Follow the instructions to activate 3D Secure for each payment gateway used by your store: