3DS certification confirms that a payment processing system or service adheres to the rigorous security standards designed to protect online transactions, specifically the PCI 3D Secure (PCI 3DS) Core Security Standard published by the Payment Card Industry Security Standards Council.
Understanding PCI 3D Secure and Certification
The provided reference states that the PCI 3D Secure (PCI 3DS) Core Security Standard was created to prevent unauthorized transactions and reduce fraud in online payments. It's a framework designed to help customers confirm their identity when making card-not-present (CNP) purchases, which are common in e-commerce.
3DS certification essentially means that a technology provider or merchant demonstrates compliance with this standard. It involves validating that their implementation of the 3D Secure protocol meets the security and functional requirements set by the PCI SSC.
Why is 3DS Certification Important?
Achieving 3DS certification is crucial for entities involved in processing online card payments. It signifies a commitment to security and helps build trust among customers and payment partners.
- Fraud Reduction: By requiring cardholders to verify their identity, 3DS significantly reduces the risk of fraudulent transactions in the card-not-present environment.
- Shifted Liability: In many cases, successful 3D Secure authentication can shift the liability for fraudulent chargebacks from the merchant to the card issuer.
- Increased Consumer Confidence: Customers feel more secure knowing there are extra steps in place to protect their card information during online shopping.
- Compliance: Adhering to the PCI 3DS standard is often required by payment networks and card brands.
Who Needs 3DS Certification?
Certification is typically relevant for:
- 3D Secure Solution Providers: Companies offering Access Control Server (ACS), Directory Server (DS), or 3DS Server solutions that facilitate the authentication process.
- Payment Gateways and Processors: Entities handling the routing and processing of 3D Secure transactions.
- Merchants: While merchants might not directly get certified for the software itself (they use certified provider solutions), ensuring their systems integrate correctly with certified solutions is vital for achieving the benefits of 3DS.
In essence, 3DS certification is the formal validation that systems supporting the 3D Secure protocol meet the security and operational standards set by the PCI SSC, directly contributing to the standard's goal of preventing unauthorized transactions and reducing fraud in online card payments.
