2C2P’s 3-D Secure products are certified to handle Visa Verified By Visa, MasterCard SecureCode, American Express SafeKey and JCB J-Secure transactions. Our protocol specifies that issuers use an Access Control Server (ACS) to respond to Payer Authentication Requests sent by the Merchant Plug-in (MPI), before actual authorization takes place. All 3-D Secure transactions are protected from chargebacks arising from unauthorized usage.
2C2P's MPI helps merchants activate the issuer's interface during authentication process. 2C2P's MPI identifies the account number and queries card issuer's Directory Servers to determine if it is enrolled in a 3-D Secure program, which then returns the website address of ACS if it is found. It is available as a hosted service or an on-premise solution that is integrated to the Acquirer’s network's access to respective card brands Directory Servers.
Access Control Server
2C2P's ACS facilitates issuers to perform 2-Factor Authentication (2FA) using one-time passwords (OTP) sent to the cardholder's mobile device or generated by a hardware token before authorization takes place. It is available as a hosted service or an on-premise solution that is integrated to the Issuer’s HSM and OTP system.Download 3DS Product Sheet