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.
3-D Secure 1.0 Transaction Processing in CERT
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.