3DS (3D security protocol)

3D security protocol adds an additional level of payment protection to an online transaction. In order to complete an online purchase, the cardholder is asked to provide proof of identity by entering a unique password, an SMS code or a temporary PIN.

Here are the initial steps involved in the 3D Secure process:

1. Card information collection. The cardholder enters their unique credit/debit card data.

2. 3D Secure enrollment confirmation. The system checks whether or not the card is registered for 3D Secure.

3. Redirection to provider's 3D Secure page. If 3D Secure enrollment is confirmed the client is then redirected to a 3D Secure page served by the card provider.

4. Additional security authentication. On the provider's website, the client will be asked to enter their unique password or a one-time authentication code which will be emailed to their confirmed email address or sent to their confirmed phone number.

5. Redirection to merchant's website. If the cardholder authentication went successfully the cardholder is then redirected back to a merchant's website for payment confirmation.

6. Payment Confirmation. Once back on the merchant's site, the customer will receive confirmation of a successful payment.

The process of requesting a 3DS code is complex and depends on many factors, so when placing an order on Joom mind that:

• we cannot guarantee that the 3DS code will be requested every time;
• the 3DS code request can't be turned off, since additional payment confirmation may be requested by Joom, bank, payment provider, etc.

3D Secure 2.0

The main purpose of the new 3D Secure 2.0 protocol is to better facilitate information exchange between the three parties of the transaction.3DS 2.0 simplifies the payment process. Instead of the static password that had to be remembered in version 1.0, the 3DS 2.0 protocol uses a token-based and biometric authentication like face or voice recognition.

Overall, the new 3D Secure 2.0 technology means less checkout hassle for customers: shorter waiting time, fewer passwords to remember, and most importantly, fewer steps when completing the purchase. Unlike the previous version of 3D Secure, the 2.0 protocol supports non-browser-based payment methods including wearables, in-app purchases, mobile payments, and digital wallets.