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Diagram illustrating how a transaction's 3D Secure authentication level is determined

3D Secure

How is a transaction's 3D Secure level determined?

Especially with the growth of the internet, credit card transactions have started shifting from physical POS terminals to virtual POS terminals. In virtual transactions, the 3D Secure structure is used instead of the card PIN entered in physical transactions. So how is a transaction's…

Diagram explaining 3D Secure, Half 3D, and Non 3D e-commerce transaction levels

Merchant & POS

What is an E-commerce Transaction?

E-Commerce can briefly be described as the sale and purchase of products over the internet, a term used since 1969. Virtual POS operates behind e-commerce transactions, which take place at different levels: Non 3D, Half 3D, and Full 3D Secure.

Diagram showing 3D Secure, Half 3D Secure, and Non-3D Secure transaction flows based on VERes and PARes response codes

Payment Systems

What is a Half 3D Secure transaction?

A Half 3D Secure transaction is, in short, the term used when the merchant supports 3D Secure but the card does not. Can such transactions occur as 3D Secure/Half Secure when the merchant does not support 3D Secure? A transaction started without the 3D process is treated as Non-Secure.

Diagram showing Electronic Commerce Indicator values used in 3D Secure transactions

Online & Authorization

What is the Electronic Commerce Indicator (ECI)?

Electronic Commerce Indicator (ECI) is a 2-digit value generated by payment schemes (Visa, MasterCard, etc.) in 3D Secure transactions to determine the transaction's security level (Full 3D Secure, Half 3D Secure, Non 3D Secure), and it varies by payment scheme.