Enhance security, build trust with consumers, and reduce the risk of financial losses associated with online fraud. Do you need expert advice and help to validate for PCI 3DS?
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PCI 3-D Secure is a security protocol developed by the Payment Card Industry Security Standards Council (PCI SSC) to enhance the security of online payment transactions by adding an extra layer of authentication. 3-D Secure (3DS) is a messaging protocol that enables cardholders to authenticate themselves during online transactions, thereby reducing the risk of fraudulent activity.
3-D Secure is a messaging protocol used to add a layer of security to online credit and debit card transactions. It enables cardholders to authenticate themselves using a password, PIN, biometric data, or other authentication method during the checkout process.
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“We greatly appreciate the years of dedication and commitment of our PCI DSS auditor. His in-depth technical knowledge and valuable advice have taken our organization to the next level. Thank you for the excellent cooperation and continued support!"
Geert, Munckhof Group
"Working with Fortytwo has been a great experience. Their service is excellent, with knowledgeable and flexible staff who are always ready to help. Make sure you get there early as their popularity means they can get busy at times."
Remco, AirTrade
"Fortytwo has been our partner since our inception. Its team is composed of great professionals and good people, which guarantees excellence in our business.”
Vicente, PayByCall
Based on the official specifications of the PCI SSC as well as the PCI 3DS in the current version, an accredited assessor of Fortytwo will perform the PCI 3DS certification at your premises.
The onsite and offsite assessment is a formal review process. Our responsible assessor examines all issues relevant to PCI 3DS on your premises. The assessment takes the form of interviews with your responsible employees, site inspections, document reviews, and the examination of all relevant IT systems and applications.
Any deviations from the PCI 3DS that are identified during the assessment are documented, including the necessary, concrete recommendations for correcting the identified deviations. Then you correct the identified deviations. We then perform a follow-up assessment.
To prove compliance to the credit card organizations, our assessor prepares the Report on Compliance (RoC) following the specifications of the PCI 3DS. This final report describes the concrete implementation of the individual PCI 3DS requirements at your organization in detail and describes the procedure of our assessor to verify the respective requirements for the credit card organizations in a comprehensible manner.
Finally, we coordinate the report on compliance with you and submit the Attestation of Compliance (AoC) to the credit card organizations.
After successful certification, we will issue your PCI 3DS certificate.
Merchants, payment service providers (PSPs), and other entities involved in online payment processing may need to validate PCI 3DS, depending on their specific roles and requirements from payment card networks or regulatory authorities.
Validation requirements for PCI 3DS may vary depending on the version of the protocol being implemented (e.g., 3-D Secure 1.0, 2.0, etc.) and the specific roles and responsibilities of the organization within the payment ecosystem. Validation typically involves demonstrating compliance with applicable PCI DSS requirements and implementing security controls specified by payment card networks.
Validation to PCI 3DS typically involves conducting a thorough assessment of the organization's systems, processes, and controls to ensure compliance with PCI SSC's standards and requirements. This may include completing self-assessment questionnaires (SAQs), undergoing external audits or assessments, and implementing necessary security measures.
The latest versions of 3-D Secure are 3-D Secure 2.0 and 2.1, which offer enhanced security features, improved user experience, and support for additional authentication methods compared to earlier versions. Organizations may need to comply with specific requirements based on the version of the 3DS they are implementing.
PCI 3DS is a one – year program, so assessment should be performed on an annual basis by a PCI 3DS auditor.