The 3DS (3 Domain Secure) protocol adds an additional layer of security to merchants for online credit and debit card transactions. Originally developed by Visa, and offered under the name Verified by Visa (MasterCard offers a similar service called MasterCard Secure Code), 3DS adds an authentication step to the process on purchasing goods/services online.
Basically, when consumers submit an order on your website, they are redirected to a website maintained by the issuing bank. On this site they enter a password/code to authenticate that they are the cardholder. Upon confirmation of the password/code the issuing bank returns an authentication code and transaction ID.
3DS Authentication must be enabled as a feature in the Vantiv merchant account before it can be used in the eCommerce application. Vantiv makes it easy for developers to submit 3DS authenticated transactions to the Vantiv eCommerce platform by providing tags for 3DS authentication under the orderSource element.
Details of 3DS Authentication are provided in the Vantiv eCommerce Reference Guide .
XML for a sample Authorization transaction involving 3DS authentication
<litleOnlineRequest version="9.4" xmlns="http://www.litle.com/schema" merchantId="100"> <authentication> <user>User Name</user> <password>Password</password> </authentication> <authorization id="834262" reportGroup="ABC Division" customerId="038945"> <orderId>65347567</orderId> <amount>40000</amount> <orderSource>3dsAuthenticated</orderSource> <billToAddress> <name>John Smith</name> <addressLine1>100 Main St</addressLine1> <city>Boston</city> <state>MA</state> <zip>12345</zip> <email>firstname.lastname@example.org</email> <phone>555-123-4567</phone> </billToAddress> <card> <type>VI</type> <number>4000000000000001</number> <expDate>1209</expDate> <cardValidationNum>555</cardValidationNum> </card> <cardholderAuthentication> <authenticationValue>BwABBJQ1gJDUCAAAAAAA=[truncated]</authenticationValue> <authenticationTransactionId>gMV75TmjA=[truncated]</authenticationTransaction> </cardholderAuthentication> </authorization> </litleOnlineRequest>
Learn more about Vantiv’s eCommerce platform features here. [link to 7.1 Platform Features]