J/Secure™ FAQ for Merchants
Q1. What is J/Secure™?
J/Secure™ is an authentication service that makes card not present transactions more secure.
Q2. What are the merits of J/Secure™?
J/Secure™ prevents unauthorized use of a payment card at online shopping sites and provides identity verification and account confirmation. J/Secure™ improves reliability and increases sales by increasing cardmember confidence toward shopping online.
Q3. How can I participate in J/Secure™?
To start using the J/Secure™1.0 program, you must implement J/Secure™ Compliant Merchant Plug-in (MPI) software on your server. To start using the J/Secure™2.0 program, you must implement EMV 3-D Secure Compliant 3DS Server on your server or 3DS SDK on your app. For additional information, please contact your Acquirer.
Q4. Is it possible to use other authentication services provided by other payment schemes with J/Secure™?
J/Secure™1.0 is compliant with 3-D Secure™. By implementing an MPI which is compatible with multiple payment schemes, you can offer authentication programs provided by other payment schemes, as long as their programs are compatible with the 3-D Secure standard. J/Secure™2.0 is compliant with EMV 3-D Secure. By implementing a 3DS Server or 3DS SDK which is compatible with multiple payment schemes, you can offer authentication programs provided by other payment schemes, as long as their programs are compatible with the EMV 3-D Secure standard. For more detailed information, please contact your Acquirer.
Q5. How should J/Secure™ be used if both J/Secure™1.0 and J/Secure™2.0 have been implemented by the merchant?
The 3DS Server, a component of 3DS 2.0 for merchants, receives availability information for J/Secure™2.0 authentication from records of card ranges maintained by the J/Secure™ service. The 3DS Server is able to check every cardmember authentication request to see if J/Secure™2.0 is available. If it is available, J/Secure™2.0 authentication should be performed, if not, J/Secure™1.0 should be used.
Q6. With the J/Secure™ program, will sales transactionsrequire more processing time than before?
Some additional processing such as password input can result in a longer processing time. Despite this, we have confirmed that those changes will not seriously affect the processing time.
Processing time may also vary depending on the usage conditions of your computers or those cardmembers use.