Tag Archive for: 3RI

Why the 3DS Transaction Status Differs Between Messages

The 3DS transaction status element appears in more than one message, and it does not mean the same thing each time. Teams that read whichever copy arrives first, and act on it, end up with reporting that does not reconcile and occasionally…

What Happens After the First Authentication? Understanding Merchant-Initiated Authentication

A subscription has two authentication problems, not one, and they are solved by different parts of the protocol. The first is straightforward. The cardholder is present, signing up, and can be authenticated the way any other purchase is authenticated.…

Understanding 3RI in 3D Secure: A Business-Friendly Guide

In today’s digital economy, businesses are expected to offer payment experiences that are both frictionless and secure. Customers subscribe to services, make repeat purchases, and expect charges to occur seamlessly. How can merchants charge…