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3D Secure 2.0 Support for VISA

PayMaya Enterprise Payment Gateway now supports 3D Secure 2.0 for Visa transactions.

3D Secure 2.0 or 3DS2 for short, is the latest version of a protocol designed to make online transactions more secure. It aims to be less intrusive than the first version, in which the user is now only asked to pass a challenge if the transaction is deemed to be high-risk. Visa is the first card scheme that we made compliant to this new protocol, with MasterCard and American Express soon to follow.

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Sample 3DS2 authentication page

The biggest change that this would introduce to merchants is that non-3DS cards would now have to go through the 3DS2 servers by default. In this regard, non-3DS cards are not encouraged given that there is no guarantee of a successful authentication, due to the card scheme’s 3DS rules and the issuing bank’s.

What this means to you as an integrating merchant or developer?

  • You might encounter errors in your sandbox environment when testing with non-3DS supported VISA card. Please check our this section for 3DS supported test cards
  • For existing live environments, non-3DS supported VISA card might experience authentication failures. We highly recommend using 3DS supported VISA cards.

For any questions or concerns, please let us know in our support channels.