Before the launch of Maxpay's own 3Ds server, merchants had the option to use acquirer's or external 3Ds servers to process 3D secure transactions. However, this way no specific information was provided in regards to 3Ds rejections, making the communication with the customers less effective.
Maxpay's 3Ds server can provide a more detailed insight into the process of 3Ds procedure for clients: from general information on the flow to possible errors and advice for clients.
In your Mportal you will now be able to see new fields that will provide additional information about 3Ds procedure. You can filter out the transactions that go through Maxpay's 3Ds server by choosing the filter 3D Auth Source - Maxpay 3D in the Transactions report.
In the available columns you can find the section 3DS Data Information and select the fields you would like to see in your report
Let's go over what each field represents:
3DS status - the outcome of the 3Ds procedure. Can be Success or Declined.
ECI - Electronic Commerce Indicator, a value returned by Directory Servers (Visa and Mastercard) indicating the outcome of authentication requested on transactions for EMV®3-D Secure. You can find out more about the possible values in our documentation.
Message version - version of the 3Ds protocol. The current value is 2.2.0
Cardholder info - contains useful information for clients in case of decline, i.e the reason for the rejection, as well as the issuer's contact information.
Examples:
| The purchase cannot be completed at this time. For additional information please contact your card issuer at 13 63 73. |
| عذراً، يبدو أن هناك مشكلة في بطاقتك. يرجى الاتصال بخدمة العملاء على الرقم 920005555 من داخل المملكة أو 966112994040+ من خارجها |
| We are unable to complete verification at this time. Please call Bank of America at 1.877.388.6581 for assistance. |
| Pagamenti e-commerce bloccati. Contatta il Servizio Clienti per ripristinarli |
3DS status reason - the reason for the failed 3Ds procedure, if applicable. Can also contain some additional information on the successful 3Ds authentication, i.e. level of confidence.
Most common reasons are:
• 01 = Card authentication failed
• 04 = Exceeds authentication frequency limit
• 05 = Expired card
• 06 = Invalid card number
• 07 = Invalid transaction
• 08 = No Card record
• 09 = Security failure
• 10 = Stolen card
• 11 = Suspected fraud
• 12 = Transaction not permitted to cardholder
• 13 = Cardholder not enrolled in service
• 14 = Transaction timed out at the ACS
• 15 = Low confidence
• 16 = Medium confidence
• 17 = High confidence
• 18 = Very High confidence
• 19 = Exceeds ACS maximum challenges
• 22 = ACS technical issue
• 26 = Authentication attempted but not performed by the cardholder
Using these fields will allow you to better manage 3Ds rejections and provide accurate and useful information to your clients in case they run into any problems.