When a customer clicks on the “Checkout” button, the 3DSR Environment is invoked. As the customer fills in the payment details and clicks “Submit”, 3DSS then formats these payment details and initiates an Authentication Request to the DS. Once the authentication process is completed, the 3DSR sends the payment information including the result of the authentication to the Acquirer for the authorisation of the transactions.
It is in both the Merchant’s and customer’s interest to have a seamless experience for their online acceptance and payment respectively. To the Merchants, it means less shopping cart abandonments and greater sales. To the customers, it simply means greater convenience with fewer clicks to complete the purchases.
Therefore, the more information on the transaction that the 3DSR provides to the 3DS network, the greater the probability for that transaction to have a frictionless experience. This exchange of large amount of information is made possible by the EMV 3DS protocol specification.rver.
Highly Scalable for Secure Authentication
A key feature of Infinitium’s 3DSS is high scalability to handle heavy website traffic load and decrease occurrences of down-time through clustering and round robin features. The 3DSS software application is enabled to support a range of authentication to cover in-app and browser-based transactions.
An essential part of the authentication process, the 3DS Server has an equivalent component under 3DS 1.0.2 protocol specification known as Merchant Plug-In (MPI). With the release of EMV 3DS (2.0), the change of name is to emphasize that this component is what initiates 3DS transaction, and has a greater role to play than a simple ‘plug-in’
Infinitium 3DSS is certified based on EMV 3DS 2.2 specifications and compatible with the following payment schemes: Visa, American Express, MasterCard, Japan Credit Bureau (JCB), UnionPay and MyDebit. In addition, 3DSS solution is also in compliance with PCI Security Standards Council.
