Cardinal 3D Secure

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   Hi,

I am trying to implement 3D secure, but for use with Maestro Only.

Despite the fact on my application to Cardinal I only selected the Maestro Option, it/RC seem to have implemented this for all transactions.

We attract very few fraud attempts and the implementation of these extra security systems will only increase the number of abandoned carts and phone calls.

Is this a Cardinel or RC issue?

Cheers,

Paul

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mayerp Members Profile Find Members Posts Senior Member Joined: 27 April 2007 Location: United Kingdom Status: Offline Points: 115	Post Options Post Reply Quote mayerp Report Post Thanks(0) Quote Reply Topic: Cardinal 3D Secure Posted: 15 January 2010 at 9:47am
	Hi, I am trying to implement 3D secure, but for use with Maestro Only. Despite the fact on my application to Cardinal I only selected the Maestro Option, it/RC seem to have implemented this for all transactions. We attract very few fraud attempts and the implementation of these extra security systems will only increase the number of abandoned carts and phone calls. Is this a Cardinel or RC issue? Cheers, Paul
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rich-erich Members Profile Find Members Posts Senior Member Joined: 18 December 2008 Location: United Kingdom Status: Offline Points: 735	Post Options Post Reply Quote rich-erich Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 10:01am
	Hi I discovered yesterday I had exactly the same problem. Like you I selected maestro only but when doing a test transaction found it also was doing 3d for mastercard. I emailed Cardinal and just got this reply this morning: "Roman Cart has integrated 3-D Secure for all Visa, MasterCard and Maestro transactions. Once you go live with 3-D Secure it will be for all of your transactions." It would therefore suggest that it is something that RC has done. This really concerns me as we only want to do maestro.

Cabling4Less Members Profile Find Members Posts Newbie Joined: 23 February 2009 Status: Offline Points: 6	Post Options Post Reply Quote Cabling4Less Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 10:22am
	Hi Support, Time is running out on this one! We have to implement by the 21st Jan. Cheers, Paul

Silent_Explorer Members Profile Find Members Posts Senior Member Joined: 25 November 2006 Location: United Kingdom Status: Offline Points: 1337	Post Options Post Reply Quote Silent_Explorer Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 10:41am
	Support, Due to the noticeable rise in cart abandonment during a two week trial of the 3-D Secure system I conducted in November I would also like to just introduce 3-D Secure for Maestro so could you please change the PayPal Pro integration to make enable this? Thanks in advance Nick G. Edited by Silent_Explorer - 15 January 2010 at 10:42am
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Support Members Profile Find Members Posts RomanCart Team Joined: 16 March 2004 Location: United Kingdom Status: Offline Points: 10803	Post Options Post Reply Quote Support Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 10:52am
	Hi, If you enable 3dsecure it is enabled for all transactions. It is not possible to only enable it for Maestro cards. To do this we would need to have the customers select the card type they are using, this would be a problem in itself as if they selected the wrong one would cause a decline. Many Thanks Support

Cabling4Less Members Profile Find Members Posts Newbie Joined: 23 February 2009 Status: Offline Points: 6	Post Options Post Reply Quote Cabling4Less Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 11:09am
	Hi, "It is not possible" That's a brave statement! It is perfectly possible and preferable to have two buttons, one for Maestro and one for Mastercard/Visa. Yes customers will sometimes get it wrong and they should get a meaningful error message. It is probably fairer to say it is possible, but RC have decicided that the amount of development time required to implement this is not worth it. I do understand this, as PayPal will probably force 3D-Secure for both Visa/Mastercard in August anyway. Cheers, Paul

rich-erich Members Profile Find Members Posts Senior Member Joined: 18 December 2008 Location: United Kingdom Status: Offline Points: 735	Post Options Post Reply Quote rich-erich Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 11:11am
	Well if that is the case then I would really support the customer picking the card type and would like you to implement this. Afterall 3D has only been implemented for maestro so it seems wrong to make all card users go through the 3d process. When I buy something I know what card I am using so am pretty confident my customers will select the right one, especially if you just have a selection of radio buttons, or maybe even just 2 buttons, one for maestro and one for all others. Thanks

rscass Members Profile Find Members Posts Senior Member Joined: 07 November 2007 Status: Offline Points: 720	Post Options Post Reply Quote rscass Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 12:39pm
	Support - please tell me this is a wind-up. All along, just Maestro has been cited as the card that would require implementation of 3D secure. Certainly, PayPal are the merchants, it's their issue, but surely it must have occurred to someone at RC/Cardinal that blanket implementation for PayPal users may cause a teeny problem? I assume that RC/Cardinal have actually communicated with each other? See Silent-Explorer's post re. cart abandonment - three guesses what customers will do between now and the point where they have to be enrolled for all of ther cards. Richard.

Support Members Profile Find Members Posts RomanCart Team Joined: 16 March 2004 Location: United Kingdom Status: Offline Points: 10803	Post Options Post Reply Quote Support Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 1:44pm
	Hi, The work is 'Implementation of 3dsecure' it was not implemented to be card specific. I'm not sure if this means that this will be required against all card types anyway. We will speak to PayPal and find out. Many Thanks Support

Cabling4Less Members Profile Find Members Posts Newbie Joined: 23 February 2009 Status: Offline Points: 6	Post Options Post Reply Quote Cabling4Less Report Post Thanks(0) Quote Reply Posted: 15 January 2010 at 1:56pm
	Hi Support, Cardinal say "Roman Cart has integrated 3-D Secure for all Visa, MasterCard and Maestro transactions. By turning the programs on they will run for all transactions. Unfortunately there is not a switch to only have Maestro go through 3-D Secure, Roman Cart did not build that functionality." Cheers, Paul