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3D Secure Technology

3D Secure

The growth of ecommerce

You will have seen that the volume of internet trade is growing at a phenomenal rate; however some criminal elements are taking advantage of this growth to target your website with stolen card details. It is now more vital than
ever, to protect yourself against this increased risk of fraud.

The role of 3D Secure

Internet transactions are classed as 'cardholder not present' (CNP) transactions. Until recently, there was no easy way for you to identify a cardholder and confirm that it was indeed the legitimate cardholder entering the card details.

The 3D Secure technology is designed to reduce the possibility of fraudulent card use by authenticating the cardholder at the actual time of the transaction and subsequently reducing the potential of online fraud.

What is 3D Secure?

3D Secure stands for Three Domain Secure - the payment industry's internet authentication standard which has been developed by the major card schemes. Visa has called their version of the scheme 'Verified by Visa' and MasterCard have called their equivalent initiative 'MasterCard SecureCode'. These are both collectively referred to as 3D Secure.

3D Secure authentication requires the cardholder to register their card to take advantage of this service. This is a one time process which takes place on the card issuer's website and involves the cardholder answering several security questions to which only the card issuer and cardholder will know the answer. The cardholder selects a password and agrees on a secret phrase, which will be used by the card issuer during each online transaction.

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 continues to be rolled out across all card issuers, and is expected to be standard procedure in the near future.

How does 3D Secure work with Lottery-Millions?

Each time a cardholder attempts to make a transaction on our website, after entering their personal card details on our partner's payment page, our 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 in the near future.

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 our 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.

PEX International, our payment partners, 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 system is a fraud prevention check which is carried out in addition to existing systems - such as AVS and CVV.

Are there any limitations of 3D Secure?

Even with 3D Secure, the risk of fraud - though drastically reduced - is still a concern. However, we feel it is vital to employ the latest fraud prevention systems to protect both your data and our business.

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