As the world continues to adopt online shopping, security concerns become more and more paramount. Payment card fraud is one of the most challenging issues for online payment processors, and 3D Secure technology is the solution that many have turned to for increased protection. Stripe, one of the leading online payment processors, offers a range of test cards with 3D Secure authentication to enable developers to test and validate their payment flows.
In this article, we'll explore what 3D Secure is, how it works, and how to use Stripe’s 3D Secure test cards with code examples.
What is 3D Secure?
3D Secure is a technical standard developed by Visa and Mastercard to provide an additional layer of security for online credit card transactions. It is designed to detect and prevent fraudulent activity on online purchases before they are processed by verifying the identity of the cardholder. The added layer of security offers protection against unauthorized use of a payment card and reduces chargebacks.
3D Secure technology is based on the present architecture of payment networks, which adds an additional layer of security to online transactions. The authentication process requires the cardholder to enter a password or a one-time code to verify their identity.
How does 3D Secure work?
When an online transaction is made using a 3D Secure-enabled card, the cardholder is redirected to their bank's website. The bank then validates the transaction using the password or one-time code, which has been created by the cardholder. The user is then redirected back to the payment processor with a transaction authorization message.
If the cardholder cannot verify the transaction, the 3D Secure process will fail, and the payment will be denied. This helps protect against fraudulent transactions and chargebacks.
Using Stripe 3D Secure test cards
Stripe offers a range of test cards that can be used to test the 3D Secure authentication feature. These test cards are designed to help developers simulate different 3D Secure authentication outcomes, such as authentication successful, failed authentication, or authentication required.
To use Stripe’s 3D Secure test cards, you will need a Stripe account and the Stripe JavaScript library. Here’s a detailed guide on how to use the test cards.
First, include the Stripe JavaScript library into the header of your HTML file using the following code:
<script src="https://js.stripe.com/v3/"></script>
Next, create a form with the necessary fields for card information, including cardholder name, card number, expiry date, and CVC code. Here's a sample HTML code:
<form>
<div>
<label for="card-element">
Credit or Debit Card
</label>
<div id="card-element">
<!-- A Stripe Element will be inserted here. -->
</div>
<!-- Used to display form errors. -->
<div id="card-errors" role="alert"></div>
</div>
<button id="submit">
Submit payment
</button>
</form>
To use Stripe’s 3D Secure test cards, copy and paste the following test card numbers into the card number field:
- 4000 0025 0000 3155: authentication required
- 4000 0027 6000 3184: authentication successful
- 4000 0027 5000 3197: authentication failure
After entering the card details, handle the payment process with the following JavaScript code:
var stripe = Stripe('your_stripe_publishable_key');
var elements = stripe.elements();
var cardElement = elements.create('card');
cardElement.mount('#card-element');
var form = document.querySelector('form');
var errorElement = document.getElementById('card-errors');
form.addEventListener('submit', function(event) {
event.preventDefault();
stripe.createPaymentMethod({
type: 'card',
card: cardElement,
billing_details: {
name: 'Jenny Rosen',
},
}).then(function(result) {
if (result.error) {
// Show error in payment form
errorElement.textContent = result.error.message;
} else {
// Otherwise use paymentMethod.id to create a charge or a subscription
fetch('/pay', {
method: 'POST',
headers: { 'Content-Type': 'application/json' },
body: JSON.stringify({ payment_method_id: result.paymentMethod.id }),
}).then(function(result) {
// Handle server response (see Step 4)
});
}
});
});
With this code, users can make payments using Stripe’s 3D Secure test cards, which allows developers to test and validate their payment flows with different 3D Secure authentication outcomes.
Conclusion
Payment card fraud is a prevalent issue in online transactions, causing financial losses and chargebacks. Therefore, more secure payment transaction methods are necessary. 3D Secure is a technical standard that provides an additional layer of security for online credit card transactions. Stripe is one of the leading online payment processors offering a range of test cards that enable developers to test and validate their payment flows. With this article, you can integrate Stripe’s 3D Secure test cards into your online payment flows using code examples in your development environment.
Sure! Let's dive a bit deeper into the topics covered in the previous article.
3D Secure Technology
3D Secure technology is a powerful tool that provides additional security to online transactions while also ensuring a seamless experience for customers. To gain an understanding of the technology, it's essential to know there are three parties involved in 3D Secure authentication: the cardholder, the merchant, and the card issuer.
When a customer initiates a transaction on a merchant's website, 3D Secure authentication requests additional information from the cardholder to authenticate the payment. This could include a one-time password (OTP), a biometric factor like a fingerprint, or a security code sent to the customer's mobile device.
The issuer or cardholder's bank then applies these additional security checks, validating their identity and ensuring the transaction is legitimate. If the card issuer confirms the payment as authentic, the customer's payment process proceeds as usual.
Stripe Payment Processor
Stripe is one of the leading online payment processors, enabling businesses to accept payments and manage their payments infrastructure. Stripe offers several products, including Stripe Payments, Stripe Connect, and Stripe Billing, to help businesses process and manage payments. Stripe's payment processor API provides developers with a simple and secure way to accept payments online.
Stripe also provides developers with access to a set of test card numbers, which mimic real transactions but do not result in actual charges. These test cards are useful for developers to verify and test payment flows without incurring any fees.
Using Stripe's 3D Secure Test Cards
Stripe provides developers with access to several 3D Secure test cards that can be used to test payment flows with different levels of authentication outcomes. Developers can use these test cards to simulate the 3D Secure authentication experience, including failed or successful authentication, and establish exceptions to the authentication process.
When using Stripe's 3D Secure test cards, developers need to include the Stripe JavaScript library in their application and create payment forms with the fields required to capture card details. Then developers can use the test cards' details to simulate the payments process and verify the different authentication outcomes.
Stripe Checkout
Stripe's checkout is a smart payments page that offers customers a seamless payment experience. Stripe checkout allows customers to check out quickly and securely, offering various payment methods, including credit and debit cards, digital wallets, and bank transfers.
Stripe checkout provides businesses with a hosted payment page, increasing the security level of the transaction and reducing the potential for fraud. The payment form is hosted on Stripe's secure infrastructure, providing an extra layer of security for sensitive payment data.
When using Stripe checkout, developers leverage Stripe's secure infrastructure and do not have to create their payment page, making the checkout process easier for both developers and customers.
Conclusion
3D Secure technology provides a secure payment experience for customers in online transactions. Stripe is one of the most popular online payment processing platforms, and Stripe's 3D secure test cards are an effective tool for developers to test transaction authentication outcomes. By leveraging Stripe's solutions, businesses can reduce the risk of fraud and enhance payment data security while delivering an excellent payment experience for their customers.
Popular questions
- What is 3D Secure technology?
3D Secure is a technical standard developed by Visa and Mastercard to provide an additional layer of security for online credit card transactions. It is designed to detect and prevent fraudulent activity on online purchases before they are processed by verifying the identity of the cardholder.
- Why is 3D Secure technology important in online transactions?
Card fraud is a prevalent issue in online transactions and can result in financial losses and chargebacks. 3D Secure provides an additional layer of security to protect against unauthorized use of a payment card and reduce chargebacks.
- What are Stripe's 3D Secure test cards?
Stripe's 3D Secure test cards enable developers to simulate different 3D Secure authentication outcomes, such as authentication successful, failed authentication, or authentication required. These test cards help developers test and validate their payment flows before deploying them.
- How do you use Stripe's 3D Secure test cards?
To use Stripe’s 3D Secure test cards, you will need a Stripe account and the Stripe JavaScript library. After including the library in your HTML file, you can create a payment form with the necessary card details fields, enter Stripe's 3D Secure test card numbers, and handle the payment process using the Stripe JavaScript code.
- What is Stripe Checkout, and how does it work?
Stripe's checkout is a payments page that simplifies the payment process for customers. Stripe provides the payment form and secure infrastructure, reducing fraud risk and enhancing payment data security. When using Stripe checkout, developers can accept various payment methods, including credit and debit cards, digital wallets, and bank transfers.
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