3D Secure JCB

Yes. JCB does support JCB 3D Secure.

To talk about the JCB 3D Secure, it continually examines the changes and challenges it encounters in keeping the customers up to date with the international community with JCB 3D Secure solutions as the speed and scope of payments increase.

J/Secure™

Since 2004, JCB 3D Secure cardmembers have been protected from identity theft by the J/Secure™ authentication mechanism for JCB 3D Secure card-not-present transactions. J/Secure™ adds a vital identification step to online commerce, allowing cardholders to immediately confirm their JCB 3D Secure card with the issuer.

J/Smart™

JCB 3D Secure created the J/Smart™ EMV compatible chip card application for issuing partners throughout the world as a JCB 3D Secure global payment brand. Along with American Express, Discover, MasterCard, UnionPay, and Visa, JCB 3D Secure is an EMVCo member.

As the JCB 3D Secure payment gateway, PayCEC uses the JCB 3D Secure technology for additional JCB 3D Secure payment authentication and JCB 3D Secure fraud protection to keep your JCB 3D Secure card information safe.

JCB 3D Secure requirement:

Merchants must use SSL or other industry-recognized encryption and firewalls to safeguard JCB 3D Secure transaction data, including JCB 3D Secure cardmember information, during transmission between the JCB 3D Secure cardmember and the merchant or third-party JCB 3D Secure payment processor.

Yes. JCB is totally safe and secure.

JCB 3D Secure offers J/Secure™, which excels in security compared to the currently prevalent method of payer authentication for JCB 3D Secure online shopping whereby the user inputs their JCB 3D Secure credit card number and expiration date.

In addition to this, J/Secure™ identifies the JCB 3D Secure cardmember by requiring a JCB 3D Secure password, or by using additional information gathered during the JCB 3D Secure authentication process, such as the JCB 3D Secure cardmember’s device or country.

Here are the steps that must be taken for a successful transaction.

• Step 1: The cardholder enters the data on the merchant's website.
• Step 2: The seller requests JCB 3D Secure card authorization from the acquiring bank.
• Step 3: The acquiring bank via API determines whether 3D Secure payment is possible. If possible, the acquiring bank will send the merchant a link to the JCB 3D Secure authorization center of the card issuer.
• Step 4: The seller sends the cardholder via the link.
• Step 5: As soon as the cardholder follows the link, the issuing bank (most often) sends an SMS with a digital code, which is also known as one-time password (OTP).
• Step 6: The cardholder enters the OTP code on the site.
• Step 7: After checking the code, the authorization center sends a JCB 3D Secure authorization code to the seller.
• Step 8: The seller carries out debiting from the card and signs the transaction with an authorization code.
• Step 9: The acquiring bank debits funds from the cardholder's account to the merchant's account.