storefront-payment-3d-credit-card-validation

3D Secure Credit Card Validation

Magento Community Edition includes the option to use 3D Secure authentication for payment
transactions made with Authorize.Net. Cardinal Centinel® is the company that provides the
3D Secure Credit Card Validation service.
During checkout, the customer is prompted to enter a secret code that is assigned to the card,
which is then used to confirm the identity of the cardholder. The bank also provides additional
data elements to confirm the cardholder’s identity. The service provider arranges the
communication between the banks and payment systems. 3D Secure authentication can be
used for orders placed from the store, or from the Admin.

Customer Workflow

During the checkout process, the customer selects the Authorize.Net payment method, enters
the credit card information, and clicks the Continue button. During Order Review, the bank
that issued the credit card displays a form to verify the customer’s identity. Depending on the
bank’s requirements, the customer might be required to enter a secret code, log in to an
account, or complete another activity.
After submitting the form, the customer is returned to Order Review. The customer clicks the
Place Order button. If the authentication succeeds, the customer proceeds to the order
confirmation page. If the authentication fails for any reason, an error message appears and the
customer can select another payment method or try again with Authorize.Net.

Admin Workflow

When creating an order from the Admin that uses 3D Secure with Authorize.Net, a form
appears with the fields to enter the credit card information, and a Start/Reset Validation
button. After you complete the credit card information, and click the Start/Reset Validation
button, the bank that issued the credit card displays a form to verify the customer’s identity.
Depending on the bank’s requirements, you might be required to enter a secret code, log in to
an account, or complete another activity on behalf of the customer. If successful, a message
indicates that the transaction has been validated, and you can proceed with the order.

To configure 3D Secure Credit Card Validation:

See the step-by-step instructions in the online user guide. For field descriptions, click the link
below the screenshot.

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