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How do I enable 3D Secure payment?

21 Feb 2022 By PAYCEC

To enable 3D secure payment, your website should use a 3D secure payment gateway to integrate into systems and payment settlement. PayCEC is a 3D Secure payment provider that can help merchants activate 3D secure payment in different card payment methods with Visa verification, Master secure code and Amex safekey. Customers are protected by an extra layer of verification such as OTP or biometric authentication or private key.

PayCEC provides 3D payment gateway services for merchants to integrate the checkout platform into their websites to facilitate online card payments. Below steps help you understand the overview of a 3D secure payment process.

  • Step 1: The shopper chooses an item, and adds it to his/her online shopping cart.
  • Step 2: Customer places an order on merchant’s website by clicking the “Proceed checkout” or equivalent button.
  • Step 3: Website redirects to Checkout page of PayCEC and the customer is required to input payment information.
  • Step 4: OTP process - There is an OTP sent to the shopper's mobile phone and the shopper has to input the one-time-password to enable the transaction.
  • Step 5: The merchant submits the order to PayCEC 3D secure payment gateway.
  • Step 6: The PayCEC payment platform securely sends the transaction to the processor.
  • Step 7: The processor verifies and approves the transaction, and routes the transaction to the card association (Visa / Mastercard / American Express).
  • Step 8: The Card Scheme screens and forwards the transaction details to the customer’s bank, which is known as the issuing bank for approval.
  • Step 9: Approval/Denial is sent back to the Card association and processor and PayCEC payment gateway respectively.
  • Step 10: The merchant receives the message “Transaction Approved”, and the fund is deducted from the customer's bank and settled into the merchant’s bank account.
  • Step 11: The merchant gets paid for the sold item, and the shopper has got his/her purchase.

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We are honored to serve as your reliable business partner and financial service provider in the industry and other business-related services. With the help of our professional staff, to help merchants to achieve their goals for the development and expansion of the international business market.

Our payment flow has developed in the e-commerce world to perform seamlessly and effectively across all platforms and devices. We take pleasure in combining technology with customer service, to solve your concerns at the moment.

PayCEC is a fully worldwide payment network that not only allows merchants to be paid immediately and securely, but also allows them to withdraw money in multiple currencies to their company accounts.

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