Frictionless payment experience. Fighting fraud.

More security checks. Reduction in fraud.

Recognises and verifies your customer by checking up to 10x more data points protecting against potentially fraudulent transactions.

Faster check out. Less cart abandonment.

Quicker payment authentication delivers a faster checkout experience for your customers. And less shopping cart abandonment as a result.

Fewer chargebacks.

As a result of additional security checks, you are better protected against “I didn’t pay for that” disputes, reducing the risk of processing fraudulent payments and likelihood of chargebacks.

How it works

  1. Cardholder pays using their credit card
  2. Your EMV 3DS service provider packages up and sends the transaction data to the Issuer via the authentication request
  3. The Issuers EMV 3DS service provider determines the transactions risk
  4. Issuer may prompt the cardholder to verify their ID e.g. with a one-time password, biometric authentication etc
  5. Upon successful authentication, your payment gateway submits the transaction for processing

Get started online

New to CommWeb

  1. Set up your CommWeb payment service. Your Relationship Manager can help or call us 24/7 on 1800 230 177 Monday to Friday 8am – 6pm (Sydney/Melbourne time)
  2. Then follow the CommWeb Integration guide to set up EMV 3DS on your merchant facility
  3. Confirm everything’s working correctly using our CommWeb Testing & Go Live guide

Already using CommWeb 2.0 (MPGS)

  1. Call CommWeb on 1800 230 177 Monday to Friday 8am – 6pm (Sydney/Melbourne time) to enrol and enable EMV 3DS
  2. Then follow the CommWeb Integration guide to set up 3D Secure on your merchant facility
  3. Confirm everything’s working correctly using our CommWeb Testing & Go Live guide

Already using CommWeb 1.0 (MIGS)

  1. Upgrade from CommWeb 1.0 to CommWeb 2.0 (MPGS). Your Relationship Manager can help or call us on 1800 230 177 Monday to Friday 8am – 6pm (Sydney/Melbourne time)
  2. Then follow the CommWeb Integration guide to set up 3D Secure on your merchant facility
  3. Confirm everything’s working correctly using our CommWeb Testing & Go Live guide

Things you should know

From October 2020 liability will sit with Mastercard, Visa and American Express (AMEX)

To enable EMV 3DS for AMEX you will need to contact AMEX directly for credentials to pass to CommWeb Support.

This information has been prepared without taking into account your individual and business objectives or needs. You should read and consider the Merchant Agreement, which govern the use and operation of your merchant facility and related features before making a decision. Visit our Merchant Support Centre for further information, useful tools, and Operator/User Guides.