We use 3D secure payment solution from Global Payments Europe a.s. is an Internet-based payment gateway allowing e-shops to accept payments made by payment cards issued by VISA, MasterCard and Diners Club associations.
GP webpay supports fully the 3-D Secure standard and provides merchants with the possibility to integrate the functionality of a standard web interface by means of Web Services (WS).
Facile integration with e-shop by means of WS enables a complete administration of orders from the merchant´s internal environment.
Communication with GP webpay is realized:
Taking into consideration the possibility of misuse of payments made by payment cards on the Internet, the GP webpay supports the 3-D Secure security standard defined by VISA and MasterCard associations, known also as “Verified by VISA and MasterCard secureCode“.
This standard defines an additional mechanism for verification of the card holder, and at the same time it provides the parties concerned (card holder, merchant, card issuer and acquirer bank) with significantly higher guarantees in comparison with unauthenticated payments.
After a request to make a payment by a payment card is received, GP webpay transfers the request for verification of authenticity of the card holder to the 3-D system operated by VISA and MasterCard associations; depending on results received, GP webpay approves / declines further processing of the order.
3-D system eliminates possible fraud attempts when the card holder is not successfully authenticated (due to incorrect entering of authentication data). Such a transaction is not continued. If any time in the course of processing of the order is found out that the issuer or the card holder does not participate in the 3-D system, GP webpay receives information about the type and level of verification. Based on the information obtained this way, GP webpay decides according to the type of the used payment card, if the processing can continue by sending a request to the authorization centre or not.