3X Secure is 3X Software's 3D Secure MPI and enables merchants to integrate their payment processing with Visa’s Verified by Visa  and MasterCard’s SecureCode protocols and functionality.

Until now, Internet based transactions have been defined as ‘cardholder-not-present’ (CNP) transactions, meaning that a person purchasing from a web site does not present their card to the merchant, and there is no way of verifying a signature, or asking the purchase for a pin number in order to verify that card does in fact belong to that person. If, after an online purchase has been made, the card owner states that they weren’t the person using the card, then a chargeback may occur, resulting in extra costs to the merchant.

3D Secure is a credit card authentication program developed by Visa and MasterCard in order to address this problem, and reduce fraudulent use of credit cards during online transactions by verifying that the purchaser is in fact the owner of the card, resulting in fewer disputed transactions and charge-backs, thereby saving the merchants both time and money. 3D Secure is also known as Verified by Visa, and MasterCard SecureCode – both of these terms being brand names for the 3D Secure Protocol. 3D Secure is a protocol based on the 3-domain model, and uses Secure Sockets Technology to ensure that all parties involved in the transaction can be authenticated securely.

Business information

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  • Functional details

    Improved Security taking payments online for every transaction

  • Business problem

    You get protection from fraudulent transactions and the costs associated with it, and your customers get the reassurance they need to spend with confidence.

  • Business opportunity

    You get protection from fraudulent transactions and the costs associated with it, and your customers get the reassurance they need to spend with confidence.

    • Eliminate chargebacks - Helps protect you from fraudulent claims from cardholders – that they didn’t take part in, or authorise, a payment. Once you are up and running with Verified by Visa, you are no longer liable for chargebacks of this nature.
    • Boost customer confidence - Research in Germany, Spain and the UK shows that 84 percent of people who do not shop online would be more likely to with Verified by Visa. Of established Internet shoppers, 71 percent say they would do so more frequently.
    • Achieve bigger sales - Research by the analysts groups states that the average e-commerce transaction is worth less than €73. Figures from Visa Europe show that the average Verified by Visa transaction is worth more than €138.
    • Implement with ease - it is a matter of adding a quick extra step to your online checkout procedure. For customers, enrolling takes moments and each purchase is accompanied by a personalised secret message from their card issuing bank.

  • Return on investment

    For Companies who want to handle UK Maestro transactions MasterCard are insisting that they are processed and verified by MasterCard SecureCode or incur penalties.

  • Competitive advantage

    Has been developed to run on System i under WAS in addition to Tomcat

  • Industries

    Banking Industry
    Cross Industry
    Retail Industry

  • Solution areas

    Cross industry
          Billing Systems
          Internet Services

  • Customer size

    Very Small Business (Less than 50 employees)
    Small Business (50 to 99 employees)
    Midmarket Business (100 to 499 employees)
    Midmarket Business (500 to 1000 employees)
    Large Business (greater than 1000 employees)

  • Languages supported


  • Countries/regions available for distribution

Technical information

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  • Hardware/OS platforms

    AIX 5.3
       IBM Systems: Power
    Windows 2000 Server (inclusive)
       Other non-IBM servers
       Dell servers
       System x
    Windows Server 2003
       Other non-IBM servers
       System x
    Other Operating Systems
       IBM Systems: z Systems
       System x
    i 5.4
       IBM Systems: Power
    OS/390 (R10-R6)
       IBM Systems: z Systems
       IBM Systems: Power
    AIX 6.1
       IBM Systems: Power
    IBM i 6.1
       IBM Systems: Power
    Windows Server 2008 (inclusive)
       System x

  • Services

    Application Enabling Services
    e-business Services
    OneWeb Internet Services

  • Software

    IBM WebSphere
          WebSphere Application Server
          WebSphere Application Server - Express

Date last modified:    Jan 16, 2017


Contact information

Karen Davies
01492 533003


3X Software Ltd
379 Chorley Road
Manchester M27 9UQ
United Kingdom

+44 1492 533003

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