NOCHEX 3D SECURE
For your added security when shopping with us, credit and debit card payments are powered by Nochex 3D Secure System.
What is 3D Secure?
3D Secure stands for Three Domain Secure – the payment industry’s internet authentication standard which has been developed by the major card schemes. Visa has called their version of the scheme ‘Verified by Visa’ and MasterCard have called their equivalent initiative ‘MasterCard SecureCode’. These are both collectively referred to as 3D Secure.
3D Secure authentication requires the cardholder to register their card to take advantage of this service. This is a one time process which takes place on the card issuer’s website and involves the cardholder answering several security questions to which only the card issuer and cardholder will know the answer. The cardholder selects a password and agrees on a secret phrase, which will be used by the card issuer during each online transaction. 3D Secure can be thought of as an online version of ‘Chip and Pin’ technology, whereby the cardholder has a personalised password registered with their card that is entered during the checkout process. 3D Secure is predicted to become the industry standard by the end of 2007 and all online consumers will soon become as familiar with this, as when they enter their ‘Pin’ number at a cash machine or till in a shop.
How Does It Work?
- Each time a cardholder attempts to make a transaction using Nochex, after entering their personal card details on the Nochex payment page, the Nochex system automatically checks to see if their card is enrolled in the 3D Secure scheme.
- Some schemes are not yet fully enabled for 3D Secure but these are expected to be enabled over the next few months.
- If the cardholders’ bank is participating, the cardholder is taken to their card issuers secure website where they enter their 3D Secure password. The payment is then taken as normal and the cardholder is smoothly delivered back to the merchants confirmation page.
- If a cardholder of a bank who is participating in the 3D Secure scheme has not yet enrolled, by default, they are offered the opportunity to register. They can then either sign up for 3D Secure, and proceed with the transaction or decline to sign up and proceed with the transaction as normal. Different card issuers may implement a maximum decline limit before the cardholder is made to sign up to 3D Secure.
- Nochex will attempt a 3D Secure check on each card transaction - if the cardholder's bank are not currently participating in the 3D Secure scheme, the transaction will be processed without a 3D Secure check.
The 3D Secure authentication process is smoothly integrated into the checkout process and will usually only add a few seconds to the normal transaction time. A small price to pay for increased protection!
All the following cards are checked for participation within 3D Secure:
** Checked but not currently supported for 3D Secure |
