使用 3D Secure 对账单进行身份验证

注：目前，位于欧盟的 Shopify 商店需要使用 3D Secure。

3D Secure 为在线信用卡和借记卡交易提供了一个附加的安全层。它为在线支付添加了一个身份验证步骤：将用户重定向到发卡方的域名，然后再返回在线商店的域名来完成付款。根据 PSD2 指令，各国家/地区的在线商店都需要 3D Secure 结账集成才能符合上述 PSD2 指令。

如果您使用 Shopify Payments 作为支付网关，则会自动使用 3D Secure 的结账流程。Shopify Payments 已经过优化，可最大限度地减少对 3D Secure 的使用，并仅在发卡银行要求时才使用 3D Secure，以便交易成功获得授权。

如果您使用的是第三方网关并且需要 3D Secure，则可以使用 Cardinal 作为 3D Secure 提供商。

每当您添加一张信用卡作为商店的 Shopify 订阅套餐的付款方式时，系统将提示您进行身份验证。在账单设置页面中输入信用卡详细信息后，您将被重定向到 3D Secure 页面，您可以在其中设置或输入您的 3D Secure PIN。

购买验证

为了提高安全性，系统可能会要求客户确认其付款方式。客户的银行可尝试诸如订阅此类账单，这意味着您的客户需要手动确认他们的购买和付款方式。

如果客户需要确认其订单的支付方式，则 Shopify 会向您的客户发送一份电子邮件，该电子邮件包含一个可确认支付的商店链接。

常见问题解答

我是否需要对我向 Shopify 进行的付款进行身份验证？

是的。如果您使用的是信用卡作为付款方式，那么您需要通过身份验证流程才能完成您的支付。

什么是 PSD2？

2019 年 9 月 14 日，支付服务修订指令（也称为 PSD2）开始在欧洲经济区 (EEA) 中的所有国家/地区和英国推行。位于受影响国家/地区的在线商店预计有 18 个月的过渡时间来使自己符合 PSD2 的规定。

PSD2 为电子支付引入了全新严格的安全要求，以此降低欺诈风险。如果您通过我们集成的 3D Secure 结账使用 Shopify Payments，那么您将符合 PSD2。

Shopify商户官网原文详情：

Billing authentication with 3D Secure

3D Secure is an additional security layer for online credit and debit card transactions. It adds an authentication step for online payments by redirecting the user to the card issuer’s domain, then back to the online store's domain to complete payment. Online stores in countries under the PSD2 directive require 3D Secure checkout integrations in order to be compliant with the the PSD2 directive.

If you're using Shopify Payments  as a payment gateway, then you're automatically using a 3D Secure checkout flow. Shopify Payments is optimized to minimize the use of 3D Secure, and only uses 3D Secure when required by the issuing bank in order for a transaction to be authorized successfully.

If you're using a third-party gateway and require 3D Secure, then you can use Cardinal as a 3D Secure provider.

Any time that you add a credit card as a method of payment for your store's Shopify subscription plan, you're prompted for authentication. After you enter your credit card details from the Billing settings page, you are redirected to the 3D Secure page where you can set up or enter your 3D Secure PIN.

Purchase Verification

Customers might need to confirm their payment method for extra security. Your customer's bank can challenge billing attempts like subscriptions, which means your customer needs to manually confirm their payment method.

If a customer needs to confirm their payment method for an order, then Shopify sends your customer an email which includes a link to your store to confirm the payment.

FAQs

Do I need to authenticate my payments made to Shopify?

Yes. If you're using a credit card as a method of payment, then you need to go through the authentication process to complete your payment.

What is PSD2?

On September 14, 2019, the Revised Payment Service Directive, also known as PSD2, was introduced in all countries in the European Economic Area (EEA) and the United Kingdom. There is an expected 18-month transition period for online stores in the affected countries to become compliant with PSD2.

PSD2 introduces new, strict security requirements for electronic payments to reduce the risk of fraud. You will be PSD2 compliant if you use Shopify Payments through our integrated 3D Secure checkout.

文章内容来源：Shopify商户官方网站