Cards and Payments - Part 13 | EMV 3D Secure Request Flow in Detail | ACS | MPI | Directory Server

#3DS #EMV 3DS #Payments #Payment Networks
Hi Everyone , this is the second part to the topic about EMV authentication. Please see the previous video covering the overview first.
Don't forget to refer to these important links for more understanding. I have done a bit of research myself over the last 2 weeks and these links should be helpful to you all as well.
3DS2 is a newer version with lots of improvements over 3DS
Hope this helps
Links that you can refer to to know and understand more about these areas are mentioned below . I have also used these links for this video creation.
www.visa.co.uk/run-your-busin...
verifone.cloud/docs/online-pa...
www.emvco.com/emv-technologie...
3dsecure2.com/glossary/
Pleas don't forget to like, share and subscribe the video within your professional network and friends.
For any feedback or in case the video helped you or didn't at all , do let me know by putting in a comment . This is the only way I get to know about areas of improvement.
Feel free to connect with me on Twitter and LinkedIn .Tag me if you share the video on LinkedIn so that I can acknowledge and thank you :)
Linkedin: / saurabh-k. .
Twitter: @saurabhkhandel
Photo credits: Pexels.com

[@veskanencheva8154]

All your videos are very informative and helpful. Thank you for your effort and time. Keep doing them!

[@gosayezenebebeyene3280]

fascinating topic,many thanks Saurabh.

[@betelhemteshom4162]

It will help for every one in the payment industry.

[@betelhemteshom4162]

Thanks Saurabh. The video's are very much valuable.

[@japananh1]

A slide pop-up full of texts was pretty messy when I was watching. I think keeping the text but reducing the background's opacity is easier to follow.

[@aadambeydrees7291]

Fascinating video, looking forward to upcoming videos thanks

[@ezeefied]

Thank you for your kind and encouraging words 🙏🏽

[@user-wh4nb9nl4z]

Very well explained TY

[@him5588]

Regarding the authentication flow, just wondering after the Card is confirmed by the issuer (ACS), can the system proceed to with the authorization without responding back in step 4, 5 and 6?

[@benoialex7478]

please make a video on UPI and various other products by NPCI

[@kavitakhatri5500]

Wonderful video sir

[@venelinkabakchiev9942]

Which entity creates the 3DS cryptogram - I take it in the case of Network Payment Tokens that would be the card scheme as soon as the aithentication request reaches VISA/MsterCard?

[@livewithatranswoman_Aparajita]

During some known international ecom transactions in India on online websites, 3d secure page keeps onloading in blank and it says payment failed without even any otp coming.. Can u elaborate.. I already have paid successfuly with the same card to the same merchant multiple times before.. Then, I tried with other cards too, the 3d secured page doesn't load and it says payment failed...No otp nothing.. All of it is internationally enabled for ecom.. Is that a problem from the merchant side??

[@ezeefied]

It appears to be an issue with 3D service itself . However there could be some other technical issue as well. Also try clearing cache cookies of the browser and try again

[@livewithatranswoman_Aparajita]

@@ezeefied I tried after cleaning cache too but it's happening again and again with different cards and it's happening a long time , 5 days . Bank says everything okay ,they didn't had any transaction like that and merchant says no problem with them ..Try another bank.. But it's happening same ,every time.. M frustrated

[@livewithatranswoman_Aparajita]

I tried with opera,opera mini ,chrome...Everyewhere same...

[@betelhemteshom4162]

pls try to make more vedio's

[@ezeefied]

Definitely more videos coming !

[@quazijay]

Could you please expand a bit MPI term? What is this and how it works?

[@ezeefied]

Merchant plug in (MPI) is a piece of software . What is basically does is prevent frauds by validating the account number on the transaction in the ACS on issuer side and confirm if it’s enrolled for 3DS . This whole process works like a look up

[@quazijay]

@@ezeefied thank you for your response. This algorithm is pretty clear. But who implements it? I mean, I doubt it there are in-house engineers on a merchant's side which have an access to the ACS, aren't there?