Fortunately, there are preventive measures to protect your e-commerce site and your customers. And 3D Secure Protocol is one of them<\/strong>.<\/p>\n What does it involve and what are the benefits?<\/strong> This guide tells you all you need to know!<\/p>\n 3D Secure protocol increases the security of online credit card transactions.<\/strong> It has been developed by Visa under the name “Verified by Visa”, by Mastercard under the name “Mastercard SecureCode” and by American Express under the name “American Express SafeKey”:<\/p>\n increasingly, credit card providers are taking advantage of this technology to verify the authenticity of online transactions<\/strong>.<\/p>\n The 3D Secure protocol adds an extra layer of protection <\/strong>to online payments.<\/p>\n These are the steps in the 3D Secure process<\/strong>:<\/p>\n To make an online purchase, the cardholder must provide an additional form of authentication as well as the usual card details <\/strong>(card number, expiry date, CVV).<\/p>\n This could be a code sent by SMS, an answer to a security question, biometric authentication (fingerprint, facial recognition) or a unique password.<\/p>\n In all cases, the payment will be secure and this will increase the user’s trust in your e-commerce site<\/strong>.<\/p>\n In 2019, the European Union recorded \u20ac1.5 billion in bankcard fraud<\/a>. And it was precisely to combat the increase in fraud linked to online banking<\/strong> that Visa introduced the “Verified by Visa” system in 2001, and that other card providers followed suit.<\/p>\n Thanks to the double authentication required by the 3D Secure protocol, the risk of fraud is significantly reduced<\/strong>.<\/p>\n In the event of a fraudulent transaction via 3D Secure, the e-merchant is protected against financial losses due to chargebacks<\/strong>. It is the issuing bank that is held liable.<\/p>\n Since the launch of the second version of this protocol, called 3D Secure 2, the user experience has improved significantly, thanks to more streamlined authentication methods <\/strong>and optimal mobile integration<\/strong>.<\/p>\n 🔒<\/strong> A note on 3D Secure 2 (3DS2) <\/strong>💬<\/strong><\/p>\n 3D Secure 2 (3DS2) was developed in response to a number of limitations and challenges posed by the first version of 3D Secure (3DS1). Launched in 2018, this protocol offers a more streamlined authentication experience, including biometrics and push notifications. In addition, 3DS2 works across all interfaces: e-commerce sites accessed on PC, mobile websites and apps.<\/p>\n With the implementation of the revised Payment Services Directive (PSD2)<\/a> and Strong Customer Authentication (SCA), a protocol was needed that met new European requirements. The 3DS and 3DS2 protocols, which most European cards support, comply with these regulations.<\/p>\n The “3D Secure authentication error” message may be displayed for various reasons. It could be caused by a mistyped card number, an incorrect expiry date or a code received by text message that was copied incorrectly on the e-commerce site.<\/p>\n In this case, the customer’s debit or credit card provider rejects the payment <\/strong>and prevents the transaction from continuing. The main advantage of 3D secure is that it offers a high level of security for online transactions<\/strong>.<\/p>\n This reassures customers and prevents fraudsters from using stolen card details, for example. In the event of a fraud attempt, they will not be able to pass the second authentication required by the 3D Secure protocol, and will therefore be unable to steal money from their victims.<\/p>\n In short, the 3D secure and 3D secure 2 protocols offer nothing but advantages for both customers and e-tailers<\/strong>.<\/p>\n Want to find out more? Here are 7 effective ways to reassure your e-commerce customers<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":" 3D Secure Protocol: functionality and benefits for e-commerce<\/p>\n
\nWhat is 3D Secure Protocol?<\/strong><\/h2>\n![\"\"](\"https:\/\/fr.textmaster.com\/blog\/wp-content\/uploads\/2024\/07\/fournisseurs-cartes-1024x343.png\")
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\nHow does 3D Secure payment work?<\/strong><\/h2>\n\n
\nWhat are the advantages of the 3D Secure protocol for e-tailers?<\/strong><\/h2>\nUltra-secure payments<\/h3>\n
A reduction in fraud<\/h3>\n
Transfer of liability to the customer’s bank<\/h3>\n
Improving user experience<\/h3>\n
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\nCompliance with current European legislation<\/strong><\/h3>\n
\nWhat does “3D secure authentication error” mean?<\/strong><\/h2>\n
\n <\/p>\n3D Secure Protocol: key points to remember! ✍️<\/h2>\n