Enable 3D Secure Payments for Enhanced Security in NetSuite

Starting in NetSuite, the Enable 3D Secure Payments feature enhances the security of online transactions by allowing native 3D Secure 2 payments on your Commerce website. This setting is compatible with SuiteCommerce MyAccount, SuiteCommerce, and SuiteCommerce Advanced from the 2020.1 release onward.

How Does It Work?

The Enable 3D Secure Payments setting is a boolean value that determines whether shoppers can carry out secure payments during the following flows:

• Make a payment
• Quotes
• Reorder items
• Checkout

When enabled, this feature provides an additional layer of fraud protection, requiring users to complete a two-factor authentication (2FA) process during credit or debit card payments. Often, this involves entering a code sent to the user's mobile device, which is verified during the transaction.

Configuration Details

To effectively utilize 3D Secure payments, you need to ensure that you have set up payment processing profiles for each payment gateway in use. This is crucial prior to enabling the 3D Secure authentication.

Implementation Considerations

Take note of the following compatibility information:

• 3D Secure 2 is supported on:
  • SuiteCommerce MyAccount (SCMA) and SuiteCommerce, version 2023.1.1 and later for payments, quotes, and reorder items.
  • SuiteCommerce, version 2022.2 and later for checkout, make a payment, and quote to sales order.
  • SuiteCommerce versions 2020.1, 2020.2, 2021.1, 2021.2, and 2022.1 for checkout flow.
• The previous version, 3D Secure 1, reached end of support on October 15, 2022, and users are encouraged to migrate to 3D Secure 2.

For further configuration and authentication processes related to 3D Secure payments, refer to additional resources provided in the system documentation.

Key Takeaways

• Enhanced Security: Offers greater fraud protection through 3D Secure 2.
• Multiple Flows Supported: Supports secure payments for checkout, quotes, and reordered items.
• Pre-Requisite Setup: Requires setup of payment processing profiles for each gateway.
• Mandatory Migration: Transition from 3D Secure 1 to 3D Secure 2 is necessary due to the end of support.

Source: This article is based on Oracle's official NetSuite documentation.