Using 3DS with Benji Pays for Elavon Converge and Stripe Gateways

3D Secure (3DS) is a security protocol designed to add an extra layer of protection for online credit and debit card transactions. Benji Pays works seamlessly with 3DS to ensure secure transactions through the Elavon Converge and Stripe gateways. This article explains how 3DS works with Benji Pays and how to set it up for Elavon Converge and Stripe.

What is 3D Secure (3DS)?

3D Secure (3DS) is a fraud prevention measure that adds an authentication step for online payments. It is commonly branded as "Visa Secure" for Visa cards, "Mastercard Identity Check" for Mastercard, and similar names for other card networks. During a 3DS transaction, the cardholder is prompted to verify their identity through their bank, typically via a one-time password (OTP) or biometric authentication.

How Benji Pays Works with 3DS

Benji Pays leverages the 3DS settings configured at the payment gateway level to ensure secure transactions. Here’s how it works with Elavon Converge and Stripe:

1. Transaction Initiation:

   - When a customer initiates a payment, Benji Pays processes the transaction through the selected gateway (Elavon Converge or Stripe).

2. 3DS Authentication Process:

   - The payment gateway detects if 3DS authentication is required.

   - The customer is redirected to their card issuer’s 3DS authentication page.

   - The customer verifies their identity using the method specified by their bank (OTP, biometric, etc.).

3. Payment Completion:

   - Once authentication is successful, the transaction proceeds for authorization and completion.

   - If authentication fails, the transaction is declined, and the customer is prompted to try again or use a different payment method.

Setting Up 3DS with Elavon Converge

1. Log into Elavon Converge:

   - Go to the Elavon Converge portal and log in with your credentials.

2. Enable 3DS in Elavon Converge:

   - Navigate to the settings or security section

   - Locate the 3D Secure (3DS) settings and enable 3DS for your transactions.

   - Save your settings.

Note: Contact Elavon Converge if this option is not available in your merchant account: 1-800-725-1243

Setting Up 3DS with Stripe

1. Log into Stripe:

   - Go to the Stripe dashboard and log in with your credentials.

2. Enable 3DS in Stripe:

   - Navigate to the settings or payment methods section.

   - Ensure that 3D Secure (3DS) is enabled for your Stripe account. Stripe typically enables 3DS by default for all accounts.

Note: Contact Stripe if you do not see this option available in your merchant account: 1- 888-926 2289

Managing 3DS Transactions

Since 3DS settings are managed at the payment gateway level, Benji Pays automatically adheres to these settings during transaction processing. 

Benefits of Using 3DS with Benji Pays

- Enhanced Security: 3DS adds an additional layer of security, reducing the risk of fraudulent transactions.

- Customer Trust: Customers feel more secure knowing that their transactions are protected by 3DS authentication.

- Compliance: Using 3DS helps you comply with industry regulations and card network requirements for secure transactions.