3D-Secure

Please click on the graphic to see the animation.

1-	The customer enters their card number, expiry date and visual cryptogram on a SIPS payment page.
2 -	The SIPS remote payment solution checks in a Visa or Mastercard directory whether the customer is enrolled in the 3D secure programme.
2' -	If the Visa or Mastercard directory does not know whether the customer is enrolled, it interrogates the customer’s bank.
3 -	The SIPS payment solution receives the response that states whether the customer is enrolled.
4 -	If the customer is enrolled, the SIPS payment solution takes them to their bank’s authentication site.
5 -	Le client s’authentifie auprès de sa banque
6 -	The customer authenticates themselves on the bank’s site.
7 -	An authorisation request is made using the 3D secure proof.
8 -	Then, the SIPS remote payment solution sends the transaction to the bank for remittance, along with the proof of the 3D secure payment.
9 -	The proof of the 3D secure payment is archived.

3-D Secure – Why?

The 3-D secure system was set up by Visa and MasterCard to reduce the rate of fraud related to electronic payments.

3-D secure consists in reinforcing the cardholder authentication process. Thus, the issuing bank must set up a reinforced authentication module which is activated as soon as one of its customers makes a payment on a remote payment solution that has a 3-D secure module.

For distant sellers, the 3-D Secure system does not change habitual cash management.
For clients making online purchases, the 3-D Secure system will imply strong authentication through a tool deployed by the customer’s bank.

3-D secure - when?

The 3-D Secure system is currently in use on many international remote payment sites and will tend to become standard during 2008 for all remote payment solutions.

3-D secure - liability transfer:

In case of fraud, the 3-D secure system transfers the liability from the merchant’s bank to the cardholder’s bank.
In case fraud is proved, the cardholder’s bank supports the cost of the fraud if the merchant has a 3-D secure remote payment solution.

3-D secure: how to be compliant?

The SIPS remote payment solution has been designed so national or international 3-D Secure payments can be made under the best conditions.

You are already using SIPS remote payment solution:

1. Contact your bank so your remote payment/merchant contract is modified
2. Your bank will inform Atos Worldline of the change and Atos Worldline will add the 3-D secure function while guaranteeing service continuity.

The switch to the 3-D secure mode is fully transparent for online merchants

You are not using the SIPS online payment solution yet: the SIPS solution is now sold with the 3-D Secure function. Standard installation of the solution will be sufficient.

3-D secure: VISA/MasterCard accreditation

Atos Worldline is recognised by Visa and MasterCard as a provider of 3-D Secure-compliant remote payment solutions.