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Commerce supports your payment processes with stand-alone and integrated authentications. You can let Commerce handle everything or run a 3-D Secure authentication based on cardholder data stored in Commerce and then transact with your existing payment processor based on this data without further friction.

3-D Secure introduction

Learn how 3-D Secure works and how Commerce integrates it.

Configuration

Configure your merchant account for 3-D Secure.

Standalone authentication

Use Commerce as a standalone authentication provider.

Authentication failures

Understand failure reason codes and how to handle them.

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Use cases

We support four different use cases for authentications:
  1. One-off: Simple authentication for a single payment based on an existing Commerce token.
  2. Initial Recurring: Authentication for the first payment in a row of recurring payments.
  3. Subsequent Recurring/Installment: Authentication for a subsequent merchant initiated transaction.

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Integration type

Commerce supports two approaches when it comes to authentication integration.
  1. Standalone: Use Commerce as a standalone authentication provider. You can authenticate payments without using the full Commerce payment orchestration platform.
  2. Integrated: Commerce manages the 3-D Secure authentication process for you and embeds it into the payment experience.