Payment authentication using 3D Secure

Most credit card companies are now using something called 3D secure

You can ask your bank about it, but basically if required you must authenticate the transaction.

Most failed transactions are because the heir did not authenticate.

It is very simple and straight forward and example is below  please make sure you find the email or SMS message on your phone and enter the authentication code to accept the payment.

Example of a 3D Secure flow

Step 2: The acquirer requests 3DS verification.The cardholder sees a prompt to complete an additional verification step.

As shown above, the additional 3D Secure step at checkout typically involves showing the cardholder an authentication page from their Issuer, where the cardholder sees a prompt to enter a verification code sent to their phone or email.

The smartphone or web browser may see different screens: (these are just examples)

Web:

The customer enters their card details.

The customer’s bank assesses the transaction and can complete 3D Secure at this step.

If required by their bank, the customer completes an additional authentication step.

iOS (Apple):

The customer enters their card details.

The SDK presents a loading screen while the customer’s bank checks whether authentication is required.

If required by their bank, the SDK authenticates the customer.

Android:

The customer enters their payment information.

The SDK presents a loading screen while the customer’s bank checks whether authentication is required.

If required by their bank, the SDK authenticates the customer.