Enabling 3D Secure (3DS) Data Submission

Overview

3D Secure (Three-Domain) Authentication is an XML-based security protocol designed as an additional security layer for online credit and debit card transactions. Credit card companies will verify incoming transaction data against data provided by the Merchant from the cardholder.

Most major credit card companies have their own brand or set of brands that deploy this security verification protocol:

  • Visa – Verified by Visa / Visa Secure brands

  • Mastercard – SecureCode

  • JCB International – J/Secure

  • American Express – American Express SafeKey

  • Discover - Discover ProtectBuy

 

The response (and accompanying descriptions) from the credit card companies will be one of the following based on the 3DS data provided:

  • Not Provided - “3DS data was not verified during the transaction.”

  • Unavailable - “3DS data was not available for that account via submission method.”

  • Match - “3DS information matches the card brand’s verification system.”

 

To Enable 3DS Data Submission:

Parameter

Description

Parameter

Description

mc3dsEnabled

Whether MasterCard 3DSecure processing should be enabled. The default setting is ‘0'. Set to '1'

visa3dsEnabled

Whether Visa 3DSecure processing should be enabled. The default setting is '0'.

amex3dsEnabled

Whether Amex 3DSecure processing should be enabled. The default setting is '0'.

discover3dsEnabled

Whether Discover 3DSecure processing should be enabled. The default setting is '0'.

eComm:

Brand

Your Acquirer BIN

Brand

Your Acquirer BIN

MasterCard

541823

VISA

490641

AMEX

10000000002

Discover

366995

Brand

ICA Number

Brand

ICA Number

ICA in Mastercard

13537

ICA in VISA

N/A

Brand

Company ID

Brand

Company ID

Mastercard

112191

VISA

10000398

 

Core:

Brand

Your Acquirer BIN

Brand

Your Acquirer BIN

MasterCard

543684

VISA

490641 or 444500

AMEX

10000000002

Discover

366995

Brand

ICA Number

Brand

ICA Number

ICA in Mastercard

3684

ICA in VISA

N/A

 

Brand

Company ID

Brand

Company ID

Mastercard

112191

VISA

10000398