At HostedPCI we offer 3D Secure 2.0 implementation with multiple different gateways in order to meet clients’ different needs. 3D Secure 2.0 is not only an update of 3D Secure 1.0 but rather a whole new process that focuses on the customer experience as well as maintaining the customer’s fraud protection. 3D Secure 2.0 has new and improved solutions for many issues that were present with 3D Secure 1.0. 3D Secure 2.0 offers exemption from Secure Customer Authentication flow. There are 3 main categories of SCA exemptions, they are Transaction Risk Analysis, Trusted Beneficiaries, and Low-Value exemption.
HostedPCI’s Credentials on File feature allows merchants the ability to store the customer’s Issuer ID and credit card credentials to be used during future transactions. Issuer ID is provided by the Issuing Bank to the Gateway and is required in all subsequent transactions. The purpose of the COF is to reduce fraud transactions that occur in the online payment industry. Credentials on File mandate informs the Issuing bank the transaction is authentic and the customer approves the relation with the Merchant. Credentials on File has two steps: Customer Initiated Transaction and Merchant Initiated Transactions.
HostedPCI understands that not all merchants have the ability to change their payment processes to allow for independent tokenization solutions, however sometimes using a full gateway solution for collecting the credit card is not possible for this reason. HostedPCI has developed the ability to create gateway tokens in order to assist merchants with collecting credit cards without requiring the full payment flow change. Essentially HostedPCI collects the credit card and provides the merchant with an HPCI token which they then use to request a gateway token. Once the merchant has a gateway token they can do all transactions directly with the payment gateway of their choice.
Over the last few years, many countries around the world have increased the security protocols regarding the storing of personal information. HostedPCI’s new Data Residency solution will provide the merchants with the ability to select which data center their data resides in around the world. Currently, HostedPCI has 4 Data Centres around the world and they are located in Canada, United States, Australia and Europe. Merchants also have the ability to choose whether their data is stored with Amazon Web Services or Google Cloud Platform.
HostedPCI works with third-party fraud service providers in order to allow our merchants the ability to make the best decisions regarding the transactions they collect. HostedPCI’s API allows merchants to pass fraud detection parameters during the Authorization and Sale Transaction. In order for fraud detection to occur the merchant would need to first enable ‘Fraud Detection Service’ before passing the fraud parameter through the API call. Fraud detection parameters are passed through the API in an array object. If the ‘fraud detection service’ was enabled and proper parameters were sent then the response will return the response from the fraud-checking service.