What is 3-D Secure?
3-D Secure is a combined program involving both Visa and MasterCard designed to assist in minimising online credit card fraud. The objective of the program is to benefit cardholders and participating merchants by providing card issuers the ability to fully authenticate cardholders during an online purchase, reducing the likelihood of fraudulent usage of Visa and MasterCard credit cards, and improving overall transaction performance.
The individual 3-D Secure program for Visa is known as Verified By Visa, and the MasterCard program is known as MasterCard SecureCode.
The eWAY 3-D Secure Solution
The eWAY 3-D Secure Solution is only available as a Shared Payment Page solution - i.e. Your customer must be transferred to an eWAY payment page to enter their card details and 3-D Secure Password.
The 3-D Secure solution does NOT require any components to be installed on your web server or any SSL certificates to be installed. We let you use the eWAY secure 128 bit encryption for FREE. This solution can be used on almost any hosting solution in the world.
N.B. 3-D Secure is currently only supported for Westpac and CBA merchants with eWAY.
Which platforms are supported?
The eWAY 3-D Secure Payment Solution uses HTML <FORMS> which is HTML-specific, not operating-system specific.
Any web page that can POST an HTML FORM can communicate with the eWAY Shared Payment Solution, on any operating system, eg Windows, Linux, Mac etc.
How Does It Work?
Your website transfers the user from your domain to the secure eWAY domain, where all credit card information is captured and encrypted. Your site is only required to pass order information such as customer name and other purchase details to the eWAY Shared Payment page. Once eWAY completes the 3-D Secure Authorisation and transaction, your customer is automatically transferred back to your website.
The eWAY Shared Payment solution has an Auto-Redirect feature - your customer can be automatically redirected to your site once a transaction is complete. This allows you to easily update payment information on your site. There is no need to wait and hope for your customer to click the"continue" button, so to speak.
You can then use the information eWAY returns and update your database, send an Email, send an SMS, or anything else you like!
N.B. Linking to the 3-D Secure Payment Page is exactly the same as linking to the Shared Payment Page, only the URL that the FORM is POSTed to is changed.
Credit Card Verification Number (CVN)
In order to provide further cardholder confidence, the eWAY 3-D Secure Payment Page also provides the additional field for passing the credit card CVN.
We have an overview on CVN and its benefits.