3D Secure

What is ‘3D Secure’?

How ‘3D Secure’ works?

Do you get a 3D authentication failure notice when you try to complete payments using your credit/debit card on Dual Global Mobile Merchant Payment Platform?

Do your experience difficulty to complete a transaction on you website because you got EC0031 displayed on your screen?

If you answer yes to any of the above, here is what you need to know

What is ‘3D Secure’?

‘3D Secure’ is a technical standard created to further secure card-holder, especially over online transactions.
The question of how to protect card owners comes to mind especially where debit cards can be used in the absence of the card-holder

A term often referred to as Card-holder Not Present (CNP)

‘3D Secure’ authentication was designed to  protect a credit card against unauthorized use when shopping online

MasterCard brands their system as ‘MasterCard SecureCode‘, Visa call theirs ‘Verified by Visa‘ and American Express is branded as American Express SafeKey

This authentication enables card owners to validate transactions they make over the internet by requesting for a One-Time-Password (OTP)  which usually sent to the owner’s cell phone or email address.

This protects the cardholder from fraudulent use by unauthorised individuals.

How ‘3D Secure’ works?

‘3D Secure’ process is as follows:

  1. The cardholder enters their card information (16 digit card number, expiry date etc.) on Dual Global Mobile Checkout credit card input portal powered by FirstData, TransFirst, Amex, VoguePay, ChasePay, Paymill, etc.
  2. The Credit Card Processing enabler contacts a directory server to see whether the card is enrolled in ‘3D Secure’
  3. The directory server responds with a message indicating that the card is registered
  4. The Credit Card Processing enabler uses the message to redirect the cardholder to a “3D Secure” page served by the issuing bank
  5. The cardholder authenticates themselves to the issuing bank on the 3D Secure page by entering a OTP (One Time Pin) or known password etc.
  6. The result of this authentication is returned to Credit Card Processing enabler
  7. Credit Card Processing enabler submits the card information and the 3D Secure authentication result to our acquiring bank
  8. Our acquiring bank authorizes the transaction (by communicating with the credit card network and issuing bank)
  9. The response (success or failure) is passed back up the chain to the cardholder.

How to Activate ‘3D Secure’?

‘3D Secure’ stands for 3 Domain Server, hence there are 3 parties involved in the ‘3D Secure’ process:

  1. The company the purchase is being made from.
  2. The Acquiring Bank (the bank of the company)
  3. VISA and MasterCard (the card issuers themselves)

To protect card owners, all transactions on Dual Global Mobile Credit Card Processing enablers require (FirstData, TransFirst, ChasePay, VoguePay,Paymill, etc.) ‘3D Secure’ cards. Kindly contact your card issuer or the bank to enable ‘3D Secure’ on your cards

Is Your Bank Card enrolled for ‘3D Secure’ Payment (VERIFIED by VISA, MasterCard SecureCode or American Express SafeKey)?

If your visa card is enrolled in the ‘3D Secure’ platform through the card issuer (or your bank),, you should be able to receive an OTP (One-Time Passcode) sent to the phone number you registered or have on file with your Card Issuer or this OTP is sent to your email address registered on file with them (depending on the one you instructed).

Once you correctly entered your card details in the secure portal and click submit/pay, you will be redirected to a ‘3D Secure’ portal co-branded with your bank and the card type brand such as (Visa, MasterCard or Amex), you enter the OTP received and then click submit, if the details are correct, your bank will approve the transaction and it will come back completing the transaction as successful. All these are done within 2-5 minutes. You should check your phone or email depending on the channel you instructed your bank to receive an OTP.

The process is easy, straight forward and with this, it will be very difficult for someone to use your card online for any transaction without your consent or approval as every transaction involving your card online will need your approval via an OTP sent to your phone or email address which you are in control of such communication channels.

If you do not receive an OTP via SMS to your phone or to your Email address after completing your card details correctly on the payment portal and your redirected to the ‘3D Secure’ portal to enter the OTP, then you have to call your bank card issuer if you did not receive it for more than 5-10 minutes after you are redirected to the ‘3D Secure’ portal as some ‘3D Secure’ portal is programmed to enter the OTP within 10 minutes to complete the transaction or the OTP becomes invalid or expires thereafter.

If you try again with the same card and still finding it difficult to successfully place your order, we advise you try  using another card that is enrolled for ‘3D Secure’. You should be able to receive an OTP once you submitted your card details correctly on the payment platform redirecting you to the ‘3D Secure’ portal if the card is enrolled for ‘3D Secure’. If you do not receive it, then you have to call your bank and let them know you cannot receive an OTP into your phone or email as every ‘3D Secure’ enrolled Card must receive an OTP via SMS to the registered phone or email address associated with the Card on file with the bank in order to completely complete an online transaction.

Advantages of ‘3D Secure’

  • Protects cardholder against unauthorised use.
  • An added layer of fraud protection.
  • Increase customer confidence when shopping online.
  • Shift fraud liability from your business with chargeback protection on qualifying transactions.

More Information on ‘3D Secure’

‘3D Secure’ is the next layer up of security whereby your card (debit, prepaid, credit). You do not need to sign up if your bank’s MasterCard or Visa is ‘3D Secure’ enabled. … What if I don’t want to activate my card (debit, prepaid, credit) for 3D Secure?

‘3D Secure’ platform and card payments made through the platform are required to be 3D authenticated

What is ‘3D Secure’? ‘3D Secure’ provides an extra step during the online payment process to ensure that only you, the cardholder, use your card. Also known as Verified by Visa or MasterCard Securecode. If your bank is not pre-registered, the ‘3D Secure’ allows you to enter your previously selected PIN generated after pre-registering for ‘3D Secure’ at your bank – helping your bank to know it is you shopping online. If your bank is registered, the ‘3D Secure’ allows you to enter a One Time Pin sent by the bank via SMS or email – helping your bank to know it is you shopping online.

Why do we have ‘3D Secure’? Banks and eCommerce merchants are implementing ‘3D Secure’ to help protect you, the cardholder, against unauthorized use of your card when shopping online at ‘3D Secure’ merchants. ‘3D Secure’ allows you to authenticate yourself while making an online payment, therefore minimizing the risk of someone using your card fraudulently.

What are the benefits of ‘3D Secure’? Online shopping is already very secure with high levels of security and encryption whenever you use your card (debit, prepaid, credit). ‘3D Secure’ is the next layer up of security whereby your card (debit, prepaid, credit) is further protected from any unauthorized use and fraud. So you can shop in total confidence safe in the knowledge that your card is protected at all times.

How do you sign up? You do not need to sign up if your bank’s MasterCard or Visa is ‘3D Secure’ enabled. The 3D Secure information is automatically sent by your bank as an SMS to your mobile phone also as an email, to complete your transaction. If your bank’s MasterCard or Visa is not ‘3D Secure’ enabled, please contact your bank immediately. With the activation code and information provided by your bank, you can register and obtain your MasterCard Secure Code or Verified by Visa Pin.

Last Updated On: March 1, 2019

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