3D Secure Authentication & Payment Solutions

 

We specialize in 3D secure authentication to help you reduce payment abuse and chargeback fraud from your online business. Find out how to integrate 3D secure with your payment gateway. 

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What is a 3D Secure Payment Gateway?

A traditional payment gateway establishes a direct connection between your business’s payment processor (or the “acquirer” domain) and the customer’s card-issuing bank (or the “issuer” domain). This two-domain (2D) connection is all that is needed to “verify” a typical online credit card transaction.

3DS authentication adds a third “interoperability” domain that is managed directly by one of the major credit card companies. Although 3D secure Visa differs slightly from 3D secure Mastercard, both involve third-party verification of the transaction’s legitimacy before payment is submitted. In most cases, the online customers are presented with a popup in which they must enter a unique authentication code sent to their email or smart device.

Best 3D Secure Payment Gateway

At Signature Payments, we provide 3D secure payment technology to help your growing business verify the authenticity of online transactions before they negatively impact your bottom line. Our payment security specialists are ready to help you reduce fraud in your e-commerce business so that you can keep more of every successful sale.

 

What are the Benefits of a 3D Secure Payment Gateway?

Payment abuse is a major problem in e-commerce, with merchants losing billions every year to various types of online fraud. In addition to direct losses, this payment abuse makes it more challenging for those selling online goods and subscription-based services to qualify for transparent and affordable payment processing. That’s because providers are often reluctant to support the types of card-not-present (CNP) transactions that happen in the online world.

Adding an authentication step allows Signature Payments’ 3D secure transaction technology to help reduce fraud and provide a safer shopping experience for everyone involved.

What are the Benefits of a 3D Secure Payment Gateway?

Payment abuse is a major problem in e-commerce, with merchants losing billions every year to various types of online fraud. In addition to direct losses, this payment abuse makes it more challenging for those selling online goods and subscription-based services to qualify for transparent and affordable payment processing. That’s because providers are often reluctant to support the types of card-not-present (CNP) transactions that happen in the online world.

Adding an authentication step allows Signature Payments’ 3D secure transaction technology to help reduce fraud and provide a safer shopping experience for everyone involved.

3D Secure Authentication

Signature Payments is a full service provider offering…

Easy Sign-Up

Our online merchant application can be completed quickly and easily in just a few minutes.

Fast Approvals

Our application review process is quick and easy so you can begin accepting payments in no time.

No Hidden Fees

Our team will work hard to get your account approved at the lowest possible rates with no hidden fees or extras.

Flexible Solutions

We work with multiple banks and offer both domestic and offshore solutions to give you the flexibility you need.

Frequently Asked Questions

What are the criteria for merchant account approvals?

All new clients fill out the same online application. Thereafter, our review team might ask for any number of supporting documentation, including bank statements, payment processing statements, performance reports, refund policies and your pricing.

If you have questions about the types of supporting documentation you might need to provide, schedule a free consultation with our payment security specialists today.

Will Signature Payments work with my existing software?

In many cases, yes. That’s because our payment technology works with most major gateways, including ePN, NMI and Authorize.net. This allows our alcohol and tobacco merchant accounts to integrate with many of the most popular business, sales and accounting software platforms.

Have questions about software interoperability? Our in-house security specialists are always ready to help.

What kinds of payments can I accept?

At Signature Payments, we support all major debit and credit cards offered by Mastercard®, Visa®, American Express® and Discover®. Your alcohol and tobacco merchant account also allows you to securely accept payments made via check, mobile wallet or electronic benefit transfer (EBT).

Do I need special hardware to start accepting payments?

It depends. For face-to-face transactions, you’ll need a physical point-of-sale (POS) reader. This can be a dedicated POS terminal or a smart device that is capable of reading credit and debit card information.

If you sell online, you won’t need any hardware. Instead, all transactions will go through your payment gateway, which is the online equivalent of a physical POS reader.

Have Questions About 3D Secure Authentication?

If you’d like to learn more about Signature Payments’ 3D secure transaction technology, call 888-334-2284 or email sales@signaturepayments.com.