3-D SECURE

[ritun]

Hi,

We have a online store based in U.K. and wished to implement 3-D SECURE (Verified by Visa and MasterCard SecureCode - 3-D Secure). We have Secpay as payment gateway. Do you have any Contribution which helps in integrating this with Secpay payment module?

Their documentation is available here: http://www.secpay.com/secpay/index.php/con...w/full/738.html

 

Ta

[♥FWR Media]

You sure it's a good idea to implement this atm?

 

I have a UK store and I'm holding off as I don't believe most users have signed up to this yet. My understanding is that they have to sign up for the service with their bank to get a pin of some sort.

[Guest]

I'm not sure about SECPay but I've just updated the Protx Direct module for 3D-Secure.

 

As it stands not all customer's banks support it yet - in this case the there is no change during checkout for the customer.

 

If the bank supports it but the customer hasn't signed up then during checkout they are presented with a sign-up form. It only takes a few seconds to sign up by verifying a few details and setting a password - all done during the checkout but on the bank's own server/pages.

 

I feel it is an important move to make because if a card passes 3D-Secure but turns out fraudulent then the liability of a chargeback shifts to the bank.

[♥FWR Media]

I'm not sure about SECPay but I've just updated the Protx Direct module for 3D-Secure.

 

As it stands not all customer's banks support it yet - in this case the there is no change during checkout for the customer.

 

If the bank supports it but the customer hasn't signed up then during checkout they are presented with a sign-up form. It only takes a few seconds to sign up by verifying a few details and setting a password - all done during the checkout but on the bank's own server/pages.

 

I feel it is an important move to make because if a card passes 3D-Secure but turns out fraudulent then the liability of a chargeback shifts to the bank.

 

 

I'm sure you are right ofc. I just worry about anything that adds time/a stage to the checkout process.

 

Also I get no chargebacks (5000 customers) so don't feel urgency.

Edited November 27, 2006 by thunderace

[ritun]

Thanks for your views.

perfectpassion, From where did you got the Protx direct module? I mean did they provided you or is there any contribution available here. Secpay do not provide any help for OSCommerce integration apart from their usual documentation. I'm really worried about the User Session. When a user goes to the Bank website, doesn't he/she loses the session during the checkout? or is it the stage after Order Confirmation, the customer goes to the Third party CC validation website and is redirected to the Banks website from there, based upon their circumstances?

[Guest]

Protx do not supply the module, only the documentation to allow you to creat one.

 

The 3D-Secure step takes place after the order confirmation but before the order sucess page. It is important that the session is passed back after the 3D-Secure step. With Protx this is acheived by passing the session id in the url that the customer should be redirected to from their bank. The protx direct module is in the contribution area (v3) - have a look through it may help you by following the way it works.

 

Tom

Edited November 27, 2006 by perfectpassion

[Guest]

Hi,

We have a online store based in U.K. and wished to implement 3-D SECURE (Verified by Visa and MasterCard SecureCode - 3-D Secure). We have Secpay as payment gateway. Do you have any Contribution which helps in integrating this with Secpay payment module?

Their documentation is available here: http://www.secpay.com/secpay/index.php/con...w/full/738.html

 

Ta

For what it's worth, I would like to say that SECPay have been extremely helpful in the past in helping to solve integration problems. Their docs are very good too. I made some changes to the SECPay module I use some time ago to improve the security and fix some bugs and the techies at SECPay helped me in particular to nail down a particularly frustrating problem.

 

So I would suggest that if you want to implement this new functionality then don't be afraid to ask SECPay if there's anything that's not clear. I was thinking of adding this (3D-Secure) too, but am very busy and am holding off until its use is more widespread.

 

Rich.

Edited December 6, 2006 by CMOTD