Skip Navigation LinkseWAY Home » Products & Services » Credit Card Payments » 3D Secure Credit Card

3-D Secure

3D Secure operates in much the same way that any ATM purchase works - via the use of a secure Password / PIN. When a 3D Secure enrolled cardholder makes an online purchase through a store with 3D Secure Verification, the cardholder is redirected to their own card issuers web page to enter their PIN. The card issuer itself verifies that the PIN is correct, and redirects the cardholder back to the originating website to complete the payment.

How it works

CardHolder Enrolment

In order to utilise 3D Secure, cardholders need to first enrol their credit card in the 3D Secure program. This can usually be done online, through the cardholders’ online banking, but it may be necessary for them to contact their card issuer to ensure the enrolment is completed successfully. During the enrolment process, the cardholder will be asked to provide a personal greeting and a password, which are both used for verification at the time of purchase.

Once the enrolment is complete, the cardholder is now ready to shop online at any merchant that has 3D Secure enabled, with greater confidence.

Making a Purchase

When a 3D secure enrolled cardholder makes a purchase at an online store the following process takes place:

Step 1

The customer enters their credit card details, as per usual, on the eWAY 3D Secure Shared Payment Page

3D Secure credit card details

Technical Details

The 3D Secure Solution is only available through a Shared Payment Page Solution, and NOT via XML.

For information on how to integrate 3D Secure into your website, please see our support pages:

Benefits

For an Online Merchant

  • Decreased chargebacks, and cardholder disputes, as the 3D Secure Password should only be known to the actual cardholder
  • Simple setup and integration into the 3D Secure Shared Payment Page - you need only change the URL that your order form posts to
  • Increased merchant confidence with International transactions
  • Increased consumer confidence, which will, in turn, increase sales revenue
  • Show your customers that you are serious about protecting them against online fraud

Pricing

  • An additional fee of $249 Per Year applies to Merchants using 3D Secure - RRP $349.
  • Other gateways charge between $350-$450 for this service, making eWAY the best value provider on the market!
  • Normal transaction fees apply to all transactions processed through 3D Secure. n.b. Transactions that fail the cardholder verification will NOT be processed, and are thus not charged.

Next Step

New Merchants

  • Join eWAY online
  • Setup an Internet Merchant Facility, with 3D Secure enabled, with an Australian bank
  • N.B. 3D Secure is currently only supported for Westpac merchants with eWAY

Already an eWAY Customer?

  • Contact your bank and setup your merchant account to accept 3D Secure
  • Contact eWAY with your relevant 3D Secure details