3D Secure
▼ What is 3D Secure (* 1)?
In addition to the credit card number and expiration date, the customer enters the Internet-specific ID and password issued by each credit card company on the Internet to make Credit card payment
Currently, it is used by four brands, "VISA," "Mastercard," "JCB," and "American Express * 2."
* 1 Although the name is different for each brand, it is collectively 3D Secure".
* 2 To use the merchant acquiring service, it is a condition of use that you have a contract with JCB Co., Ltd.
It directly with the card company contract if it is, American Express International, fifth and Inc. contract is that there is - you profit ⽤ conditions.
Fraud and chargeback
Fraud is when a third party other than the card holder impersonates the person and purchases the product.
Fraud chargeback * when it is found to be fraudulent.
* What is chargeback
If the cardholder payment of the usage fee due fraud etc., the credit card company refuses the payment
Chargeback occurs, you will not be able to pay the proceeds of the transaction.
In addition, if the payment has already been completed at GMO-PG and the member store, or if it cannot be offset from the latest transfer, it is necessary to refund
Therefore, even though the member store has shipped the product (provided the service), the sales proceeds will not be deposited.
Why do you need 3D Secure
Fraud by stolen credit cards and counterfeit credit cards is increasing, and in order to prevent them, 3D Secure which allows you to enter a password that only you can know, will be effective.
Advantages and disadvantages of 3D Secure
merit
● Anti-spoofing
Authenticate with the password registered by the person. Therefore, it is possible to prevent the card information of another person from being stolen, "impersonating" the cardholder, and illegally giving or receiving goods or services.
● Peace of mind
3D Secure, you can appeal to the purchaser that you are paying attention to security.
Demerit
● Lost opportunity
You may not remember the password registered by the cardholder, and you may quit your purchase because you do not know your password during the purchase process.
Credit card brands available for 3D Secure
* DINERS cannot be supported.
Personal authentication screen example * The display may differ slightly depending on the card issuer.
Customers who see the password entry screen are registered with the personal authentication service.
* If you have forgotten your password, please contact the card company listed on the back of the card.
(From the viewpoint of personal information protection, it cannot be confirmed even if you contact the shop)
Precautions
3D Secure compatible brands
VISA / Mastercard / JCB / American Express * Brands are supported.
For other credit card brands, it will be a normal transaction without identity verification.
* To use the merchant acquiring service, it is a condition of use that you have a contract with JCB Co., Ltd.
It directly with the card company contract if it is, American Express International, fifth and Inc. contract is that there is - you profit ⽤ conditions.
About correspondence of mobile terminal
3D Secure is compatible with smartphones, but you cannot make transactions from feature phones.
Points to keep in mind after changing the amount of 3D Secure
- 3D Secure using the payment If you have the amount changed, 3D Secure does not use the payment will be. chargeback notification from the card company due to fraud a later date, you may have to accept it.
This service is applicable when the introduced EC site is operated by a corporation.
If the introductory EC site is operated by an individual, please check here.