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Does Chat 2 Pay support 3D Secure?

Yes, Chat 2 Pay supports the 3D Secure 1.0 and 2.0 protocols.

What is 3D Secure?

3D Secure (3DS) is an authentication protocol that helps to minimize costly fraudulent transactions by adding an extra layer of protection to the payment journey. After entering credit/debit card details for online transactions, the customer is asked to authenticate their identity using methods such as two-factor authentication (One-Time Passwords) or biometrics (e.g., fingerprints, facial recognition).

What are the major differences between 3DS 1.0 and 2.0?

  1. Reduced drop-off: 3DS 2.0 recognizes that customers on mobile devices generate a lot more data points (e.g., device IDs, email addresses, billing addresses, browser information) than what was available when 3DS 1.0 was conceived. Card issuers who accept these data points can therefore make a real-time decision on whether additional customer authentication is required or not. Unlike 3DS 1.0, the additional authentication via OTP or biometrics is only requested in some instances and not all.

  2. Device-specific biometric authentication: Unlike 3DS 1.0, 3DS 2.0 can replace the more intrusive OTP authentication mechanism with less intrusive biometric requests such as fingerprint or facial recognition. 3DS 2.0 is built with support for both iOS and Android mobile OS, and can determine the least intrusive authentication method on a customer-by-customer basis.

  3. Compliance with PSD2 SCA: Companies doing business in Europe need to comply with PSD2 SCA requirements, which 3DS 2.0 adheres to. Therefore, many card issuers in Europe already support 3DS 2.0.

How is 3DS activated on Chat 2 Pay?

Chat 2 Pay allows customers to bring their own payment processor to Clickatell and enable Chat Commerce. Currently, we only support Cybersource as a payment processor. If the merchant’s account has the 3DS feature activated, Chat 2 Pay will automatically support 3DS and no additional configuration is required. 

​​​​​​​Steps for the merchant to activate 3DS on their Cybersource profile:​​​​​​​

  1. Select one of the profiles configured on your Cybersource account (Payment Configuration > Secure Acceptance Settings > Select Profile Name)​​​​​​​

  2. Select Checkout API (Payment Configuration > Secure Acceptance Settings > Select Profile Name > General Settings > Integration Methods

  3. Enable 3D Secure per card network (Payment Configuration > Secure Acceptance Settings > Select Profile Name > Payment Settings > Card Type)

  4. Select the 3DS Version (Payment Configuration > Secure Acceptance Settings > Select Profile Name > Payment Settings > Payer Authentication 3DS Version)

  5. Click Save to activate the changes

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