How to successfully 3D Secure process
This task outlines the steps for a successful 3D Secure process when a credit card is enrolled, including authentication and callback functions.
If a credit card is enrolled with 3D Secure, the successful 3D Secure process is as follows:
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After consumers submit the credit card information on the Payment Page, a prompt message from the card issuer is displayed and requests the cardholder to enter the authentication credentials.
- On the corresponding card issuer page, the cardholder enters and submits the authentication credentials.
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The card issuer checks the credentials and the identity of the cardholder. During this process, only the cycling icon is displayed in the HMP iframe.
- Zuora calls the callback function that you provide with multiple parameters and returns the result. These parameters include the 3D Secure result, authorization result, and unique authorization transaction. In the callback function, you can make decisions based on the values that Zuora responded. Then you might want to call Create account or to display the proper text on the website to inform consumers of the progress or result. You can customize the callback function as you want.
If a credit card is not enrolled with 3D Secure, Zuora only performs normal authorization, and the result is returned after the authorization. The result is in the same format as the result of the aforementioned card enrollment situation. However, consumers do not see the issuing bank's page.
For details about the parameters in the 3D Secure response, see 3D Secure Response Parameters .
If both the cardholder and the merchant participate in the 3D Secure scheme and the transaction is successfully authenticated, the liability of a chargeback shifts from the merchant to the cardholder’s issuing bank. This only applies to chargebacks based on a fraud reason code.
If an error occurs in the 3D Secure process, an error message is directly displayed at the top of the Payment Page after the credit card information is submitted. For more information, see 3D Secure Error Codes .