Nochex 3D Secure

What is 3D Secure?

3-D Secure is the new security system developed by VISA ('Verified by VISA') and MasterCard ('MasterCard SecureCode') to make card payments over the Internet even safer. Key to the 3-D Secure model is that card issuing banks themselves are responsible for authenticating cardholders, allowing for greater security and increased traceability of transactions.

3D Secure requires the cardholder to provide a personal password when paying for goods online with their credit card, just as they would provide a PIN on the high street. This ensures that the shopper is who they say they are when providing card details to an online shop. Cardholders can sign up to the service with their card provider (at no cost) and are reassured that their card is protected from fraudulent use on the internet. Cardholders will be given the opportunity to sign up when completing checkout with us. Please read 'How does 3D Secure work with Nochex'.

3D Secure can be thought of as an online version of ‘Chip and Pin' technology, whereby the cardholder has a personalised password registered with their card that is entered during the checkout process. 3D Secure is predicted to become the industry standard by the end of 2007 and all online consumers will soon become as familiar with this, as when they enter their ‘Pin' number at a cash machine or till in a shop.

How does 3D Secure work with Nochex?

Each time a cardholder attempts to make a transaction using Nochex, after entering their personal card details on the Nochex payment page, the Nochex system automatically checks to see if their card is enrolled in the 3D Secure scheme.

Some schemes are not yet fully enabled for 3D Secure but these are expected to be enabled over the next few months.

If the cardholders' bank is participating, the cardholder is taken to their card issuers secure website where they enter their 3D Secure password. The payment is then taken as normal and the cardholder is smoothly delivered back to the merchants confirmation page.

If a cardholder of a bank who is participating in the 3D Secure scheme has not yet enrolled, by default they are offered the opportunity to register. They can then either sign up for 3D Secure, and proceed with the transaction or decline to sign up and proceed with the transaction as normal. Different card issuers may implement a maximum decline limit before the cardholder is made to sign up to 3D Secure.

Nochex will attempt a 3D Secure check on each card transaction - if the cardholder's bank are not currently participating in the 3D Secure scheme, the transaction will be processed without a 3D Secure check.

The 3D Secure authentication process is smoothly integrated into the checkout process and will usually only add a few seconds to the normal transaction time. A small price to pay for increased protection!

All the following cards are checked for participation within 3D Secure:

• Visa
• Visa Electron
• Visa Delta
• MasterCard
• Maestro (includes Switch)
• Solo **

** Checked but not currently supported for 3D Secure