3D Secure is a technical standard developed by Visa and Mastercard to enhance the security of internet payment transactions. It was originally developed to add an extra layer of security for online credit card transactions, by requiring the cardholder to enter a one-time code (OTC) as an additional authentication step. The 3D Secure protocol has since been extended to include other types of transactions, such as debit card transactions and online banking transactions.
The 3D Secure Mobile SDK is a software development kit that allows mobile developers to easily integrate 3D Secure authentication into their mobile apps. With the 3D Secure Mobile SDK, developers can add an extra layer of security to their mobile payment processes, by requiring users to enter an OTC before completing a payment. The SDK includes a set of APIs and libraries that developers can use to implement 3D Secure authentication in their mobile apps.
One of the main benefits of the 3D Secure Mobile SDK is that it allows developers to easily add 3D Secure authentication to their mobile apps, without having to build the entire authentication process from scratch. The SDK provides a set of APIs and libraries that developers can use to integrate 3D Secure authentication into their apps, without having to worry about the underlying technical details. This makes it easier for developers to build secure mobile payment systems and helps to reduce the risk of fraud and other security threats.
Benefits of 3D Secure Mobile SDK
There are several benefits to using the 3D Secure Mobile SDK:
Improved security:
The 3D Secure Mobile SDK adds an extra layer of security to mobile payment transactions, by requiring users to enter a one-time code (OTC) before completing a payment. This helps to reduce the risk of fraud and other security threats, such as chargebacks.
Enhanced user experience:
The 3D Secure Mobile SDK makes it easier for users to complete payments in a secure and convenient way. This can help to improve the overall user experience and increase customer satisfaction.
Reduced risk of chargebacks:
By providing an additional level of authentication for each transaction, the 3D Secure Mobile SDK can help to reduce the risk of chargebacks and other types of fraud.
Simplified integration:
The 3D Secure Mobile SDK includes a set of APIs and libraries that make it easy for developers to integrate 3D Secure authentication into their mobile apps. This saves developers time and effort and helps to reduce the risk of errors or security vulnerabilities.
Increased customer confidence:
By providing an extra level of security for mobile payment transactions, the 3D Secure Mobile SDK can help to increase customer confidence in the safety and security of your mobile payment system. This can lead to increased adoption of mobile payments and higher overall transaction volume.
How does it work?
To utilize any of the 3DS mobile SDKs, you must first incorporate this library in your app. After that, you can configure the settings of your iOS or Android application to:
- Initiate the SDK by using your preferred interface for users.
- Set the parameters needed for authentication.
- You can request authentication and manage the outcome to ensure payments.
FAQ’s
What do we authenticate when we do a 3D Secure transaction?
During a 3D Secure (3DS) transaction, the cardholder and issuer authenticate their identities to reduce the risk of fraud. This may involve entering a one-time code or verifying the cardholder’s identity using biometrics.
Can 3D Secure Mobile SDK be used with any mobile app?
3D Secure Mobile SDK can be used with any mobile app that processes online payments, as long as the app is compatible with the 3D Secure protocol.
What does it mean to authenticate your payment How do these payment systems authenticate?
To authenticate a payment means to verify the payment’s validity. Payment systems can authenticate payments by requiring a password or PIN, sending a one-time code, or using biometrics, tokenization, encryption, or risk assessment.
