Cardholder Authentication Methods 3D Secure

CLOWD9, via our integrated Access Control Server (ACS) provider support the following authentication methods:

One Time Password

• Most commonly referred to as an OTP
• A numeric and or alpha code that the Cardholder enters during the Authentication stage
• The OTP can be sent direct to the mobile number held for the Cardholder by SMS or CLOWD9 can transmit this to you via Web hook to communicate to the Cardholder via your choice i.e. SMS, email or in-app

Password Authentication

In most regions, where the authentication method used is OTP, a secondary authentication method is required. The Password Authentication is the secondary method.

A static password is set to the card_id and entered by the Cardholder upon request. If the password is entered incorrectly or not provided, the authorization process cannot continue.

Out Of Band (OOB) Authentication

With the widespread usage of smart phones, Customers have greater access to your mobile applications to service the day to day needs. The Out of Band (OOB) authentication functionality allows you to provide a more secure authentication method such as biometric or passcode verification which only the Customer should have access to.

CLOWD9 will receive the request for OOB authentication which is sent to you. You will then be required to provide the outcome (succesful / not verified) to CLOWD9 via the OOB Authentication Result API.

Finalized Event Transaction Details

Following the final result of a 3D Secure transaction, whether the authentication is frictionless, SMS, SMS & Knowledge Based Authentication (KBA) or Out of Band (OOB), CLOWD9 will communicate the outcome to you.