How to protect your business online using EMV 3DS in NAB Gateway

Why use EMV 3DS?

Online merchants and their customers expect a secure, quick and convenient eCommerce check out experience.

EMV 3DS provides an additional layer of security for eCommerce transactions and allows the card issuer to authenticate the cardholder through a dedicated and secure channel. It reduces cart abandonment and enables an effortless checkout experience for your customer. It replaces what was formerly known as 3DS 1.

How EMV 3DS works

Using merchant plug-in (MPI) software installed on your web server or the hosted services of your payment gateway, EMV 3DS works with Visa and MasterCard’s authentication services, Visa Secure (formerly known as Verified by Visa) and MasterCard® Identity Check (formerly known as SecureCode™). EMV 3DS provides transaction information to the card issuer to authenticate the transaction.

Not all transactions will need a verification check. In fact, depending on your business type, most will pass through without a challenge.

For EMV 3DS to be active, the cardholder must be registered through their issuing bank and the merchant through their financial institution.

Understand how the EMV 3DS process works (PDF, 294KB), opens in new window

The benefits of using EMV 3DS

• Reduces fraud and chargebacks by replacing static passwords with stronger two-factor authentication e.g. risk based or one-time password
• Supports different payment channels
• Authentication process relies on improved data for more accuracy
• Increases sales from reduced cart abandonment
• Increases customer confidence
• Greater security and convenience

How to set up EMV 3DS in NAB Gateway

If you use NAB Gateway, you’ll have the added comfort of knowing that it supports EMV 3DS. To integrate EMV 3DS authentication into NAB Gateway, consult your web developer or e-commerce software provider. 

Manage your risk

While the use of EMV 3DS authentication will generally make the card issuer responsible for the chargeback risk on fraudulent transactions, it’s not a substitute for your own risk management. Stay vigilant when it comes to high risk or suspicious sales and remember to cancel and refund any order that seems suspicious. Find out more about how Fraud Management Essentials can help you manage fraud.

Learn more about How to reduce card not present fraud.