ACS 3DS is a payment gateway for online transactions. It is a service provided by ACS (Autorité de Certification des Systèmes), a company specializing in secure electronic transactions. ACS 3DS allows merchants to accept credit card payments from customers over the Internet in a secure manner. When a customer makes a purchase online, the ACS 3DS payment gateway verifies the transaction and processes the payment. This helps to protect against fraud and ensures that the payment is secure.
ACS 3DS is used by merchants around the world to accept online payments, and it is often used in conjunction with other payment gateways and services to provide a comprehensive solution for online transactions.
Three-dimensional Secure Authentication (3DS) 3D Secure Authentication (3DS) is an authentication method used to provide an extra layer of authentication to payments. Three-dimensional Secure is a preferred option for many businesses looking to incorporate multifactor authentication in their payment processes.
A three-dimensional Secure system authenticates the user across three distinct domains: the bank that is the acquiring one the issuing bank, as well as the payment platforms that connect both. The 3D Secure model often includes an additional step in the process of checkout for the customer that requires identification using unique passwords or authentication codes delivered via SMS or email. The process is carried out by using the 3D Secure Access Control Server.
As mentioned previously that there are three domains within 3D Secure, the acquiring bank and the issuing bank, and the interoperability, composed of the parties that join two banks to facilitate transactions. There is an Access Control Server. Access Control Server (ACS) is located within the domain of the issuing bank.
It is the Access Control server utilized by banks that issue cards for carrying out their requirements for cardholder authentication. This is one who issued the card the person is using, making Access Control servers an essential component of establishing whether the card is linked to the person who they have been authorized to use.
When customers are redirected by the 3DS procedure, they will be directed toward the bank that issued the credit card to ensure the confidentiality and security of their identification information.
Customers can then confirm that they are who they claim to be by providing certain information like the password for their account or a code that is sent to their phone or email for the ACS. By comparing this information with the information provided to the bank issuing the card The ACS will determine whether or not the client has confirmed their identity.
The ACS is linked to the bank issuing the credit card and is an integral element of the customer identification process. This is among the reasons that the burden of chargebacks is transferred to the bank that issued the chargebacks when merchants make use of 3DS.
3DS enhances the experience of shopping safely for the customer as well as the merchant. As a method of multifactor authentication, 3DS helps reduce the risk of fraud and chargebacks they generate.
In addition, when merchants use 3-D Secure, the responsibility for fraudulent chargebacks will be transferred to the bank that issued the chargeback. The reduction in chargebacks an organization receives is an enormous benefit, considering that chargebacks may cost more than twice the original amount of the transaction because of chargeback costs.
The issue is that 3DS can also be a second element in the payment process, which could lead to greater abandonment rates of carts. For companies with high chargeback rates, it is usually more than the price of abandoned carts. Other businesses should consider streamlined payments can save more in the long run.
In many cases, even more, efficient payment methods prefer to utilize 3DS to meet essential compliance requirements, such as that of the European Union’s SCA (Strong Customer Authentication) standard. SCA requires a type of multifactor authentication in card-not-present transactions to safeguard merchants and customers from fraud. 3DS is a common option for many companies to satisfy this requirement. It also permits many merchants to do business within the EU.
If you’re interested in taking advantage of the security advantages that 3DS offers, take a look at 3D Secure from Logibiztech. A solution created that seamlessly incorporates multifactor security in the checkout process.
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The 3DS Server provides a functional interface between the Directory Server (DS) and the 3DS Requestor Environment flows. 3DS Server is responsible for gathering necessary data elements for 3-D Secure messages, authenticating the DS, validating the DS, the 3DS SDK, and the 3DS Requestor, safeguarding the message contents. The 3DS Server also helps to protect the message content while it is being transferred to DS and vice versa.
