Discover all the great benefits 3-D Secure can give you as a merchant and as a buyer. It is an extra method of authentication for online credit card transactions supported by Cardinity. Cardinity is a card payment service provider for online merchants in the EU/EEA. With more than 10 years of experience in the provision of online payment solutions, we continue to grow and improve in order to help online merchants' businesses become global. Cardinity offers: • Global payments. Accept payments in major currencies with all main credit and debit cards from customers all around the world. • Recurring billing. Offer subscriptions or memberships, and your customers will be charged automatically. • One-click payments. Let your customers purchase with a single click. • Mobile payments. Purchases made anywhere on any mobile device. • A payment gateway and a free merchant account. • Virtual Terminal. Accept mail and phone orders. • Fraud prevention. We help merchants to ensure security with our enhanced protection measures. • Low price. No monthly fees. • Fast application and boarding procedure. More information : https://cardinity.com

1. 3D -Secure

2. What is 3-D Secure?
3D Secure is a security protocol to prevent fraud online credit and
debit card transactions.
It refers to 3 Domain Secure and involves 3 parties: the seller, the
buyer (the bank that processes the payment) and card associations
(i.e. Visa or MasterCard).
It is an extra method of authentication for online credit card
transactions where a customer additionally confirms his/her card
payment.

3. After a customer decides to buy a product or service from a website, adds it
to the shopping cart, proceeds to the check-out, and clicks the payment
button, a new additional window appears asking him to enter a personal
password (or security code) that is verified by his card issuer.
This window is normally marked with MasterCard SecureCode or Verified by
Visa logos.
How does it work?

4. How does it look like?

5. How to register for 3-D Secure?
As a costumer you have several different ways to register for 3-D Secure
depending on your personal bank. For example, your bank will send you a
text message with a one-time password which is suitable for one
transaction.
As a merchant you don't need to worry about integrating the 3-D Secure
feature, as it is activated for free once you integrate with Cardinity.

6. The process of 3-D Secure
Text message:
3-D SECURE
PASSWORD:
123456
Enter 3-D Secure
password:
123456
Make a purchase at an online
shop that is using 3-D secure
and has Verified by VISA or
Mastercard Secure Code logos.
Enter your required card
data and wait for your
One-Time password sent
via a text message.
Enter One-Time
password into the
field on the 3-D
Secure page.

7. Benefits for merchants
Reduced online fraud (such as identity theft and unathorised card
use)
Easy to set up and control
Increased customers' confidence in an online shop
The liability for chargebacks shifts from merchants to card issuers,
and merchants are able to dispute them.

8. Benefits for buyers
Increased protection of payments
Safe payments with credit AND debit cards
Protection against unauthorised card use
Mobile payments are also protected with 3-D Secure

9. Cardinity provides 3D Secure protection
absolutely FREE of charge, and you do not
need to worry about activating it in your
online store. You can apply for our services
and enjoy selling securely online.

10. Feel free to contact us!
UAB Click2Sell
Sauletekio ave. 15, Vilnius, Lithuania
Company code: 300110581
VAT code: LT100005028414
Phone: +44 2035 144 748
info@cardinity.com
www.cardinity.com