Overview
The EVO Snap* 3-D Secure MPI is offered as a Value Added Service to provide an additional authentication layer for merchants to offer their customers. This service is activated on a standard transaction request. However, to successfully process a 3-D Secure transaction, the merchant and cardholder must also be enrolled with the issuing bank. Without these enrollments, the transaction will go through the standard authorization process.
The added security of 3-D Secure comes from the real-time authorization of the transaction from the card issuing bank. This service is available and certified on Visa, MasterCard, and American Express networks.
3-D Secure 2.0
3-D Secure is a protocol developed to make online payments more secure through password authentication and cardholder verification. The new Card Scheme mandates are the next wave of 3-D Secure that will bring additional eCommerce security to EMV. These updates will be supported for the eService and TRON front-ends. See the appropriate workflow page for more information.
Note that versions 2.1 and 2.2 are supported for Visa, but only version 2.1 is supported for MasterCard.
eService Sandbox Test Kit Updates
For information on updates made to the eService Sandbox test kit to support 3-D Secure 2.0, please see the the document here.
TRON Sandbox Test Kit Updates
For information on updates made to the TRON Sandbox test kit to support 3-D Secure 2.0, please see the the document here.
3-D Secure 1.0 Transaction Processing in CERT
Beginning in October of 2022, the 3 major card brands will no longer support 3DS Version 1. While the dates for each card brand are not the same, EVO will no longer be supporting 3DS V1 starting October 14th, 2022.
The following document outlines the process flow and required steps for generating 3-D Secure transactions through the non-production environments of EVO Snap*, as well as test cases, code samples, and trigger values: 3-D Secure Transaction Processing in CERT.