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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 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.

Illustration representing an online mail order payment made with a debit card

Debit Card

Can Mail Order transactions be done with debit cards?

Debit cards and prepaid cards are generally closed to Mail Order transactions. The same usually applies to Non-3D (non-3D Secure) online transactions, which banks keep disabled by default to limit fraud risk.

Virtual POS payment system diagram for online card transactions

Merchant & POS

What Is Virtual POS?

Virtual POS is the software-based, security-enhanced equivalent of the physical POS devices used for card payments at merchants, designed for online shopping. It is not issued to individual customers, only to sole proprietorships, companies, or foundations and associations.

Illustration of recurring payments and automatic card collection for subscription businesses

Merchant & POS

Key Points to Watch for in Recurring Payments

Winning customers is one of the most important things in business, but keeping them satisfied matters just as much. If you collect payments at regular intervals, such as monthly, these tips will help you improve the success rate of recurring collections.