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  1. #1
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    Jan 2008
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    Malaysia
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    Paypal, Securecode3D & Verified by Visa

    Does anyone here aware that paypal does not support the mastercard securecode3D authentication (S3D) ?

    I get so annoyed last week that my card stop working, some of my paypal subscription payment failed. Called the bank, and they said the card is ok, but there was lots of securecode failure. They told me that my card has been enrolled for the S3D

    I did sent a few email to Paypal, and they replied this :

    Thank you for taking the time to contact us with your concern. Hello, my name is Kurt. I am happy to assist you further.

    I understand that you have doubts on 3-D Secure.

    Now let me explain it to you.

    3-D Secure is the authentication protocol used by Verified by Visa and MasterCard SecureCode. PayPal has successfully completed certification and interoperability testing with Visa International (currently not yet completed with MasterCard).

    The goal of 3-D-Secure is to authenticate the consumer by the entry and verification of a designated password or PIN prior to the completion of an internet purchase. The 3-D Secure step slots into the payment process before the merchant sends the normal financial authorization request to their acquirer. The 3-D Secure protocol uses dedicated messages that flow over the internet between the merchant, card scheme, and issuer,
    outside of the network used for the financial authorization and clearing messages.

    In summary, the authentication process is carried out in the following way:

    1. The cardholder enrolls for the Verified by Visa or MasterCard
    SecureCode service at their issuing bank and chooses their Personal
    Assurance Message and authentication password or PIN. The cardholder
    then shops for goods and enters their payment details into the merchant
    checkout page as normal.

    2. The merchant 3-D Secure software interacts with the card scheme and
    issuer to determine whether the cardholder is enrolled for 3-D Secure.
    If the cardholder is enrolled for the service, the merchant seeks
    authentication of the cardholder by their issuing bank.

    3. The cardholder is shown the details of their transaction and enters
    their PIN. The entry of the PIN is used both to authenticate the
    consumer and to confirm that the consumer approves the completion of the
    transaction. The consumer's issuing bank validates the PIN.

    4. The issuer responds to the merchant to indicate whether the
    cardholder is authentic, and if authentic, provides an authentication
    code to the merchant.

    So we advise to you to use VISA at the moment. If you use MasterCard,
    you can still use those cards that have not activated for the 3-D
    Secure.

    I sincerely apologize for the inconvenience caused to you.

    If you need any assistance, please do not hesitate to contact us.

    Sincerely,
    Kurt

    PayPal, an eBay Company

    Copyright© 2009 PayPal Inc. All rights reserved.
    and also a followup,

    Hello, this is Nicky here, I will be happy to assist you with your
    question regarding your PayPal account.

    I understand that you want to inquire something about the 3-D
    Secure,right?

    Currently PayPal do not support that service. You can still use your
    Visa card in PayPal system.

    If there is any new function in our system, there will be a update in
    our website.

    Thanks for choosing PayPal. Please let me know if you need further
    assistance.

    Sincerely,
    Nicky
    PayPal

    Copyright © 1999-2009 PayPal. All rights reserved.
    It appear that not so many merchant really adopt the Verified by Visa and Mastercard Secure3d authentication. WorldPay for example, but i saw that 2CO is supporting both VBV and Secure3D. Fortunately my visa still work with paypal.

    Perhaps, paypal should speed up the certification and interoperability testing with mastercard. I know there are lot of people using the S3D, not just me alone.
    Last edited by HWC-khalemi; 07-06-2009 at 02:42 AM. Reason: typo
    HostWaves.com Managed Drupal e-Commerce Hosting/Web Development Service for SMB/SME/SMI.

  2. #2
    Join Date
    May 2008
    Location
    Indore, India
    Posts
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    Quote Originally Posted by HWC-khalemi View Post
    Does anyone here aware that paypal does not support the mastercard securecode3D authentication (S3D) ?
    They do not even support Verified by Visa, if they'll do, it will be a big plus.

  3. #3
    Join Date
    Nov 2007
    Location
    Dallas, TX
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    Quote Originally Posted by EW-Andy View Post
    They do not even support Verified by Visa, if they'll do, it will be a big plus.
    I believe you are completely correct. That said, Verified By Visa support seems difficult to find at almost any merchant. :-/

    -mike
    Mike G. - Limestone Networks - Account Specialist
    Cloud - Dedicated - Colocation - Premium Network - Passionate Support
    DDoS Protection Available - Reseller Program @LimestoneInc - 877.586.0555

  4. #4
    Join Date
    Jan 2008
    Location
    Malaysia
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    i just dont get it. isnt it by supporting vbv and s3d, merchant are more protected against chargeback?
    HostWaves.com Managed Drupal e-Commerce Hosting/Web Development Service for SMB/SME/SMI.

  5. #5
    Join Date
    Nov 2007
    Location
    Dallas, TX
    Posts
    8,945
    Quote Originally Posted by HWC-khalemi View Post
    i just dont get it. isnt it by supporting vbv and s3d, merchant are more protected against chargeback?
    In theory, yes. In practice, I am not sure. Does anyone have any positive or negative experience in that regard?

    -mike
    Mike G. - Limestone Networks - Account Specialist
    Cloud - Dedicated - Colocation - Premium Network - Passionate Support
    DDoS Protection Available - Reseller Program @LimestoneInc - 877.586.0555

  6. #6
    Join Date
    May 2008
    Location
    Indore, India
    Posts
    1,541
    I understand the PayPal's strategy, they support VBV and MSC if you have Payflow Pro merchant account.

    They won't provide this facility if you have a free account.

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