3D Secure is an additional security layer used in online card payments to enhance transaction safety. Designed to verify the identity of the cardholder during the payment process and helps prevent unauthorized use of the card.During the payment flow, the cardholder is redirected to their issuing bank’s authentication page, where the transaction is approved using a one-time password (OTP) sent via SMS.
The payment cannot be completed unless this authentication step is successfully performed.This mechanism provides an extra layer of protection for both the cardholder and the merchant, reducing the risk of fraud.
3D Secure is widely adopted as a standard security protocol for ensuring safe and secure online payments.The following endpoints are recommended for initial review.To generate a token : token Hash must be generated for each request. Example hash algorithms are included within the payment request samples for each endpoint.
Hash Parameters#
The parameters and their order to be used for the hash algorithm are as follows.
