3-D Security

Payment Gateways facilitate the transaction online between your card provider and the eCommerce store. From the 1st January 2021, this gateway will need to be 3D secure. LumiPay partner gateways are updating their software and releasing version 2.1 to ensure you remain compliant throughout 2021.

All accounts will need to be 3-D Secure before 31 December 2020. That’s why we’re launching V2.1 to keep you safe. This is also to ensure you’re compliant with the PSD2 legislation. It will also help you to avoid card declines and card scheme fee increases.

What is 3-D Secure v2.1?
3-D Secure v2.1 is a security protocol provided by the credit card schemes. It ensures compliance with PSD2 by prompting shoppers to authenticate transactions using two out of the three factors below:

1. Possession

Authentication based on a registered phone linked to the card, a card reader or other device that will generate a one time code to confirm a transaction

2. Knowledge

Entering a digit from a card pin number or password

3. Inherence

This is something you have inherent to you such as a fingerprint or facial recognition through your phone.

Are there benefits?

Yes, 3-D Secure 2.1 is not only about compliance. Compared with older versions, it aims to decrease the disruption at checkout and offer a more seamless experience for the shopper. Initial research is promising and shows that  3-D Secure 2.1 can reduce checkout times by 85% and cart abandonment by 70%. 3-D Secure 2.1 approval rates have now surpassed the approval rates of 3-D Secure 1 authenticated transactions.

Do I need to do anything?

  • Hosted Payment page (HPP). You do not need to do anything. We will enable 3DS 2.1 for you.
  • Custom HPP. We advise you to check with your test site that the new 3-D Secure flow works for your payment flow. Please let us know once you have tested it, and we will enable it on your production account.
  • API, JavaScript, Webserver and STAPI. To support 3DS 2.1 you will need to review the current integration you have with your developer/software provider and choose one of the two paths below:
    • Update to the latest JS Library; or
    • Move to our HPP and let us handle the payment page.

If your unsure contact us and we will help ensure everything is in place and up to date ahead of the deadlines.