Each time a cardholder attempts to make a transaction using Nochex, after entering their personal card details on the Nochex payment page, the Nochex system automatically checks to see if their card is enrolled in the 3D Secure scheme.
Some schemes are not yet fully enabled for 3D Secure but these are expected to be enabled over the next few months.
If the cardholders’ bank is participating, the cardholder is taken to their card issuers secure website where they enter their 3D Secure password. The payment is then taken as normal and the cardholder is smoothly delivered back to the merchants confirmation page.
If a cardholder of a bank who is participating in the 3D Secure scheme has not yet enrolled, by default, they are offered the opportunity to register. They can then either sign up for 3D Secure, and proceed with the transaction or decline to sign up and proceed with the transaction as normal. Different card issuers may implement a maximum decline limit before the cardholder is made to sign up to 3D Secure.
Nochex will attempt a 3D Secure check on each card transaction - if the cardholder's bank are not currently participating in the 3D Secure scheme, the transaction will be processed without a 3D Secure check.
All Nochex Merchant Accounts are now 3D Secure enabled as standard and each Nochex card transactions is checked to see if the cardholder is registered for 3D Secure. Merchants and Sellers should use the notification of the 3D Secure checks as an additional fraud prevention tool in conjunction with existing fraud checks such as AVS and CV2 to help you minimise your risk of fraud.