Payer Authentication (a.k.a. 3DS or 3D Secure)

This optional feature of the First Data Global Gateway allows you to add Visa®Verified by Visa™ and MasterCard®SecureCode™ which offer the highest form of security available to eCommerce merchants today and trump all other fraud screening tools.

What is Payer Authentication?

Payer authentication, also known as Verified by Visa (VbV) and MasterCard® SecureCode™, are security protocols developed by Visa and MasterCard that allow consumers to shop online more securely. Visa and MasterCard also give back to eCommerce businesses that enable these programs by providing chargeback protection and lower interchange rates. You may also hear the programs referred to as 3-D Secure or 3DS.

Simply put, payer authentication is validation that the online shopper is the cardholder. Merchants participating in the programs are helping to fight identity theft, and consumers are thanking them by repeat shopping at these secure Web sites.

How do Verified by Visa and MasterCard® SecureCode work?

VbV and SecureCode enable cardholders to create a PIN (or “secure code”) and assign it to their credit card. During checkout, the customer is prompted to enter his or her PIN, and the cardholder’s identity can then be confirmed by the card-issuing bank. The card issuer provides additional data elements to confirm the cardholder’s identity.

What are the benefits of Verified by Visa and MasterCard® SecureCode?

With the programs, Visa® and MasterCard® aim to increase consumer confidence in online shopping and reduce fraud. To encourage 3-D Secure adoption, Visa® and MasterCard® offer significant merchant benefits including:

  • Fraudulent chargeback protection (per the rules of Visa and MasterCard)
  • Interchange discounts
  • Dramatic reduction in the fraud screening costs and manual review
  • Higher AOV (Average Order Value); secure, confident customers spend more
  • Free and automatic platform upgrades
  • Expand internationally, risk-free
  • Consumer brand loyalty and security