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Enhance Security with Inovio Payment Gateway’s 3D Secure Feature
Inovio Payment Gateway’s 3D Secure feature adds an extra layer of protection to online transactions by requiring customers to authenticate their identity before completing a purchase. This two-step verification process helps reduce fraud, minimize chargebacks, and provides greater confidence for both you and your customers. By implementing 3D Secure (also known as Verified by Visa, Mastercard SecureCode, or American Express SafeKey), businesses can meet the growing demand for enhanced payment security while ensuring compliance with industry standards.
How 3D Secure Works with Inovio Payment Gateway
3D Secure works by redirecting customers to their card issuer’s authentication page during checkout. Once redirected, the customer is prompted to enter a one-time password (OTP) or answer a security question to verify their identity. After successful authentication, the transaction is completed, and the payment is processed securely. This feature is especially valuable for businesses operating in high-risk industries or those with significant online sales, as it adds an extra safeguard against fraudulent transactions.
How to Enable 3D Secure on Inovio Payment Gateway
Enabling 3D Secure on your Inovio Payment Gateway account is a straightforward process. Follow these steps to activate and integrate it into your website:
Log in to Your Inovio Merchant Account
Sign in to your Inovio merchant portal using your credentials.Navigate to the Security Settings
Once logged in, go to the Security Settings section in your dashboard. Look for the option to enable 3D Secure.Enable 3D Secure
Toggle the setting to enable 3D Secure for your account. Depending on your business model, you may be able to enable it for specific transactions or all transactions.Configure 3D Secure Settings
Customize the 3D Secure settings based on your risk preferences. You can set rules on when to trigger 3D Secure authentication—such as for high-value transactions or international customers—allowing you to maintain a balance between security and customer convenience.Integration on Your Website
After enabling 3D Secure, you’ll need to integrate it with your website’s checkout process. If you’re using a custom-built site, follow Inovio’s developer documentation to add the necessary API calls and authentication redirect steps to your existing payment flow. For most platforms, this involves:- Adding a redirect step in your checkout process where customers are sent to the card issuer’s 3D Secure page.
- Collecting the customer’s authentication response and completing the transaction using the 3D Secure token returned by the gateway.
Test the Integration
Before going live, run a series of test transactions using Inovio’s testing environment to ensure that the 3D Secure process is functioning correctly. Test different scenarios, such as successful authentications, failed authentications, and customer cancellations.
Setup 3D Secure with Durango Merchant Services
At Durango Merchant Services, we assist businesses in setting up and configuring Inovio Payment Gateway’s 3D Secure feature. If you open a merchant account with Durango, we’ll guide you through the process of enabling and integrating 3D Secure into your payment flow. For businesses already using Inovio with a Durango Merchant Services merchant account, we can help optimize your 3D Secure settings to reduce fraud while keeping the customer experience smooth.
If you’re transitioning from another merchant account provider, we can help connect your Inovio gateway to your new Durango account and ensure that 3D Secure is fully configured and functional on your website. Whether you’re new to 3D Secure or looking to enhance your current setup, Durango Merchant Services is here to make sure your online payments are secure and compliant.
