3-D Secure
3-D Secure supports authentication for online card payments. The flow may proceed without an extra prompt or require confirmation.
What is 3-D Secure?
3-D Secure, or 3DS, is a protocol for authentication in card-not-present payments, such as online purchases. Merchants and card issuers exchange data for this purpose. Depending on the procedure and assessment, checking may happen without extra interaction or require confirmation, for example in a banking app. The protocol can support strong customer authentication; it is not the same as the legal requirement itself.
A fictional picnic-blanket shop plans a test case with additional bank confirmation. In this case, the buyer is to cancel the confirmation. The expected route back leads clearly to payment selection; displaying a confirmation page alone must not cause the transaction to be marked as paid. Shop processing must take account of the authentication result and its associated, verified payment status. Successful identity checking and an executed payment remain different outcomes.
Sources
Related terms
- Strong customer authenticationSCA combines independent evidence to authenticate the payer. Successful authentication must be distinguished from payment status.
- Payment gatewayA payment gateway transmits payment data between a shop and payment processing, returning the responses to the shop.
- Payment service providerA PSP supports businesses with electronic payments. Payment methods, processing and additional services depend on the offering.
- Delivery capabilityDelivery capability describes whether a specific request can be fulfilled. A stock value alone does not fully answer questions of quantity, destination and time.
- Order historyOrder history shows previous orders within an agreed account scope. Old prices, current availability and current processing remain separate information.
- Dealer portalA dealer portal gives affiliated dealers digital access to agreed information and workflows. Its scope and company assignment need to be clear.
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E-Commerce with ASES
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