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Home Is JCB safe?
21 Jun 2022 By PAYCEC
Yes. JCB is totally safe and secure.
JCB 3D Secure offers J/Secure™, which excels in security compared to the currently prevalent method of payer authentication for JCB 3D Secure online shopping whereby the user inputs their JCB 3D Secure credit card number and expiration date.
In addition to this, J/Secure™ identifies the JCB 3D Secure cardmember by requiring a JCB 3D Secure password, or by using additional information gathered during the JCB 3D Secure authentication process, such as the JCB 3D Secure cardmember’s device or country.
Here are the steps that must be taken for a successful transaction.
- Step 1: The cardholder enters the data on the merchant's website.
- Step 2: The seller requests JCB 3D Secure card authorization from the acquiring bank.
- Step 3: The acquiring bank via API determines whether 3D Secure payment is possible. If possible, the acquiring bank will send the merchant a link to the JCB 3D Secure authorization center of the card issuer.
- Step 4: The seller sends the cardholder via the link.
- Step 5: As soon as the cardholder follows the link, the issuing bank (most often) sends an SMS with a digital code, which is also known as one-time password (OTP).
- Step 6: The cardholder enters the OTP code on the site.
- Step 7: After checking the code, the authorization center sends a JCB 3D Secure authorization code to the seller.
- Step 8: The seller carries out debiting from the card and signs the transaction with an authorization code.
- Step 9: The acquiring bank debits funds from the cardholder's account to the merchant's account.
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