Solutions for 3D Payer Authentication

Payer certification enables all parties in an e-commerce payment transaction to transfer confidential and valid payment information, and offers confirmation to the merchant that the buyer is the approved owner of a specific card account.

What is 3-D Secure Payer Authentication?

3-D Secure has been described by VISA and MasterCard because there are a number of interoperability domains involved in the certification procedure.
- Acquirer Domain

Also involved in the authentication action are the cardholder, the merchant, the payment gateway and the bank processor

Consumers:
Once enrolled in 3-D Secure buyers can be shielded from deceitful use of their card at an Internet merchant internet site, this builds up buyer confidence in the payment mechanisms online pushing wider use and multiplied buying.

The Merchants:
Credit card merchant processing merchants gain from chargeback obligation transfer on disputed payment dealings if they are inscribed in 3-D Secure and made an attempt to authenticate the cardholder during the payment action. The issuer nor the cardholder need to be enrolled in order for protection to be guaranteed!

VISA pushes chargeback liability switch on 3-D Secure efforts and fulfilled authentication requests.
MasterCard in USA and Canada do not endorse 'attempts' and want complete UCAF authentication in order to transmit chargeback liability shift from merchant to consumer.
MasterCard in SAMEA, AP, EU and LACR indorse CB liability switch on SecureCode 'attempts' on intra-regional transactions (cardholder and merchant in same area) if the SecureCode request is attempted (without or with closing) and a legal payment transaction authorisation is acquired.

Potential problems with 3-D Secure:
If issuers have implemented activation during transactions to help enrollment for their cardholders, on-line processing will come while transactions at a 3-D Secure entered credit card merchant processing site. If the user selects to "process now", the verification of the buyer's ID takes place first, yet, failed attempts to either confirm the consumer's ID or registration issues can cause the pop-up window to get "" up and the buyer must leave on their own or leave the credit card merchant processing site, resulting in misplaced purchases.

Communicating (Internet) can be cut off resulting in time-outs and web explorer sitting hanging resulting in a failed enrolment and potentially a misplaced sale.
Numerous issuers have not adequately prepared their cardholders about "activating during buying" and hence the consumer believes the merchant is requesting data through a pop-up window and breaks the sitting.

Buyers could have pop-up stoppers active on their web browser to dissallow the pop-up window from opening to initiate the process.
The web connection between the purchaser and the merchant could be interrupted (particularly dial up users) during the middle of the enrollment or certification process causing the enrollment process to expire.