3D Secure Configuration

3D Secure (3DS) is a security protocol designed to authenticate cardholders during online transactions, reducing fraud. The process involves the cardholder, merchant (via the acquirer), and card issuer.

On the acquiring side, acquirers must integrate to a Merchant Plug-In (MPI) to facilitate communication between the merchant's systems, card networks, and issuers during the 3D Secure authentication process.

On the issuing side, issuers must operate or integrate to an Access Control Server (ACS) to handle authentication requests from the 3D Secure process, verifying the cardholder's identity and communicating the results back to the acquirer via the card networks. Issuers use OTPs, in app verification, biometrics, or risk-based authentication to verify identities.

Eclipse supports the end to end enablement of 3DS.

Acquirer-Side Enablement

Wibmo 3DS MPI

Wibmo 3DS provides a user-friendly interface for completing customer transaction verifications. To enable Wibmo 3DS for a tenant, the following configurations are required:

• Name: threeDSProvider
• Value: wibmo

- POST /eclipse-conductor/rest/v1/tenants/{tenantId}/customers/{customerId}/payments

{
  "amount": 100,
  "currency": "ZAR",
  "externalUniqueId": "a512aabc11a",
  "type": "ZA_THREE_DS",
  "landingUrl": "https://www.google.com/",
  "paymentMechanism": "CARD"
}

The Wibmo 3DS customer journey is then served through the completionUrl provided in the response to the request.

{
  "paymentId": 16572,
  "externalUniqueId": "a512aabc11a",
  "status": "PENDING",
  "amount": 100.000000000,
  "currency": "ZAR",
  "additionalFields": [
    
  ],
  "acceptedCardSchemes": [
    
  ],
  "cardPhone": "279726999279",
  "phone": "279726999279",
  "acceptedPaymentMechanisms": [
    
  ],
  "completionUrl": "https://eclipse-java-develop.ukheshe.rocks/t/8BM4D",
  "paymentType": "CARD",
  "created": "2024-10-18T11:58:27.000Z",
  "paymentInstrumentInfo": {
    "cardPhone": "279726999279"
  },
  "fee": 0,
  "customerId": 25,
  "paymentTerminalData": {
    
  },
  "tracingContext": "00-8eb82bd0cca62e57dd1aee65648b8475-892405b22ba9396e-01"
}