Gateway Capabilities

GATEWAY CAPABILITIES

Security Checks

Cardstream Security Checks

Security Checks and 3D Secure

Cardstream offers Card Security Code (also known as CV2, CVV, CSC) checks, as well as Address Verification System checks (AVS) to strengthen the transaction when the cardholder is using a card that they have the right to use. Cardstream also recommends the use of 3D Secure (Verified by Visa (VBV) and MasterCard SecureCode MSC), again to strengthen the transaction's security. Cardstream can offer 3D Secure with every eCommerce Merchant Account using the Payment Gateway.

3D Secure Explained

3D Secure authentication was developed by Visa with the intention of improving ecommerce payments' security and cardholder confidence. MasterCard has also adopted the service, along with JCB and Amex. The full 3D Secure service is available using the Cardstream Payment Gateway and there is no additional charge for this service.

Fundamentally, 3D Secure allows the cardholder to create a unique password for their relevant debit or credit card. This works very much like the PIN would with a PDQ machine in order to authenticate a payment, as only the cardholder should know that password.

3D Secure stands for 3 Domain Server, relating to the three parties involved with the process: the Merchant, the Acquirer and the card issuers. This process is the most recent of fraud prevention services available for eCommerce Merchants and cardholders to use.

In addition, 3D Secure also assists the merchant's liability cover for each transaction authenticated by the process. We would suggest checking with your Acquirer as to what exactly this covers. Chargebacks can still happen, as this will still be decided by your acquirer.

Further information about 3D Secure can be found within the relevant integration guides.