Created by the card payments industry, 3-D Secure is a security feature which ensures that payments using certain credit and debit cards are authenticated by the card holder with their bank at the time of the transaction. 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, during the payment flow they will be prompted by their bank to enter a password to verify that the transaction is authorised by the card owner before completion.
Most billing systems still don't support it yet, despite all the benefits it brings in terms of fraud prevention, but since 2007 WHMCS has supported & had integration for all the gateways that require it.
And commencing 21st January, PayPal are being added to the list of gateways that require it.
Here at WHMCS we're prepared for this and have updates available for the PayPal & PayFlow Pro modules which saves you the hassle of the technical side of the changes. All you need to do is register with Cardinal and request the updated module from us.
For more information about PayPal's changes, see https://www.paypal-business.co.uk/3dsecure.asp
Not using WHMCS yet? Has your current billing provider left you high and dry without any solution for accepting Maestro payments? If so, contact us to discuss switching to WHMCS today.