Enabling 3D Secure (3DS) Data Submission

Overview

3D Secure (Three-Domain) Authentication is an XML-based security protocol designed as an additional security layer for online credit and debit card transactions. Credit card companies will verify incoming transaction data against data provided by the Merchant from the cardholder.

Most major credit card companies have their own brand or set of brands that deploy this security verification protocol:

Visa – Verified by Visa / Visa Secure brands
Mastercard – SecureCode
JCB International – J/Secure
American Express – American Express SafeKey
Discover - Discover ProtectBuy

The response (and accompanying descriptions) from the credit card companies will be one of the following based on the 3DS data provided:

Not Provided - “3DS data was not verified during the transaction.”
Unavailable - “3DS data was not available for that account via submission method.”
Match - “3DS information matches the card brand’s verification system.”

To Enable 3DS Data Submission:

Parameter	Description
`mc3dsEnabled`	Whether MasterCard 3DSecure processing should be enabled. The default setting is ‘0'. Set to '1'
`visa3dsEnabled`	Whether Visa 3DSecure processing should be enabled. The default setting is '0'.
`amex3dsEnabled`	Whether Amex 3DSecure processing should be enabled. The default setting is '0'.
`discover3dsEnabled`	Whether Discover 3DSecure processing should be enabled. The default setting is '0'.

eComm:

Brand	Your Acquirer BIN
MasterCard	541823
VISA	490641
AMEX	10000000002
Discover	366995

Brand	ICA Number
ICA in Mastercard	13537
ICA in VISA	N/A

Brand	Company ID
Mastercard	112191
VISA	10000398

Core:

Brand	Your Acquirer BIN
MasterCard	543684
VISA	490641 or 444500
AMEX	10000000002
Discover	366995

Brand	ICA Number
ICA in Mastercard	3684
ICA in VISA	N/A

Brand	Company ID
Mastercard	112191
VISA	10000398