3D-Secure Services

3D-Secure Services

3D-Secure provides a global approach on buyers and sellers authentication, in secured transactions on the Internet.

The 3D-Secure project was started by ROMCARD in September 2003 and finalized in March 2004, when all VISA and MasterCard certification process successfully ended for few Romanian banks: BCR, Raiffeisen Bank, Ion Ţiriac Bank and Alphabank Romania.

The key technical element of the project is using a secure protocol for authentication: 3D -Secure.

ROMCARD is involved in stimulating the Romanian e-commerce, offering solutions based on this secured technology: 3D-Secure protocol through “Verified by VISA” and “MasterCard Secure Code”.

The transactions done in the systems called “Verified by VISA” and “MasterCard SecureCode” are the result of 10 years of experience in e-commerce. These systems represents a package of services, recommendations, practices and requirements, designed for internet transactions. This transaction system aims to reduce the disputes linked to frauds from on-line transactions, with minimum 80%.

The “Verified by VISA” and MasterCard SecureCode programs offer the banking cards issuers various advantages:

  • reduce disputes, exceptions and fraud;
  • higher confidence for bank cards holders;
  • higher values traded and profits;
  • higher market, based on a competitive and high quality service.

ROMCARD , as a transactions card processor in Romania , has successfully implemented 3D -Secure technology provided by the companies OpenWay and Ibiza Software, integrating it into its processing system .
The 3D-Secure project realized by ROMCARD SA has been a pilot project in VISA CEMEA and MasterCard SAMEA regions. The result of this high performance: Romania was the first country in this Europe region able to process bank cards transactions in full compliance with the 3D-Secure technology.


Full 3D-Secure services – to Issuing and Acquiring Banks (Verified by Visa and MasterCard Secure Code).

3D Secure Certification is performed by using MPI testing platform for the Acquiring Banks & ACS testing platform for the Issuing Banks.
The contracts with the virtual merchants are signed by the Acquiring Banks.
The configuration of the 3D Secure interface between Romcard and the merchant is performed by Romcard.
Romcard is registering the 3DSecure configured merchants on Visa/MasterCard Directory Server.
The E-commerce transactions are processed on behalf of the Acquiring Banks.
Dual Servers in place for Acquiring Issuing Banks.

3D-Secure 2.0

Romcard obtained VISA (VISA Secure) and MasterCard (MasterCard Identity Check) certifications for the 3D-Secure 2.0 version.

The 3D-Secure 2.0 project was created for the needs of both merchants and card holders.

Traders are experiencing a large stream of digital payments every day and 3D-Secure 2.0 is the perfect solution for securing these transactions.

The 3D-Secure 2.0 service offered by Romcard involves the use of biometric authentication. Consumer experience will thus be simplified and improved by eliminating the static password.

The VISA Secure and MasterCard Identity Check programs offer the following benefits to bank card issuers:

  • reducing fraud by eliminating the risk created by static passwords
  • increase of traded values
  • increasing the confidence of card holders in carrying out transactions on the Internet
  • customer satisfaction