What is 3D Secure and when do I need to use it?

PLEASE NOTE: 3D Secure only affects customers who are using both Mr Site Pro and Express Checkout with a UK Paypal Pro account.

On Monday 1st February 2010, PayPal activated a new system called '3-D Secure'; which has been created by the card payments industry and is a security feature that ensures payments using certain credit and debit cards are authenticated by the card holder with their bank at the time of purchase.

3-D Secure is the common name for the technology behind MasterCard SecureCode (MSC) and Verified by Visa (VbV). If your customer's card is enrolled with 3-D Secure, when paying they will be prompted by their bank to enter a password to verify that the purchase is authorised by the card owner before completion.

You must implement these changes on your online shop to continue taking payments from customers using MasterCard and Maestro as their payment method.

Step 1:
Go to the web page http://paypal3dsregistration.cardinalcommerce.com/UI/Registration.aspx and fill in the form with Paypal.

Step 2:
Wait until you receive and email from Cardinal Centinal, this may take a few hours to arrive.

Step 3:

Once you have this email you will need to login to your account with Cardinal Centinal.  Your username and password will be detailed in the email you receive.

Read the license agreement, if you are happy to proceed continue.

Enter a password you will be happy using.

Step 4:
Login to your Mr Site account and go to;

Extras > Admin > Add / Edit A Shop

Scroll down to the section where you tick the box the enable express checkout.  The last tab there is the Paypal 'P'.  Click this tab and scroll down the to the "Cardinal Commerce Details". 

Processor ID: can be found on your confirmation email from Cardinal Centinal under 'Section II'

Merchant ID: can be found on your confirmation email from Cardinal Centinal under 'Section II'

Transaction Password: this is the password you just set in your Cardinal Centinal account.

You should now be fully set-up to accepts payments form the 1st February.

REMEMBER: 3D Secure only effects customers who are using both Mr Site Pro and Express Checkout with a UK Paypal Pro account.