Card Payments and 3-D Secure Integration
Random declines and duplicate charges cost you real sales. We fix the signatures so every payment that should go through, does.
What we build
Reconciliation you find out about the same day
We match your settlement files against expected transactions automatically, and flag mismatches right away. Catching a problem the same day is cheap. Catching it six weeks later is not.
Signatures that cannot drift
Every payment field is signed in the same fixed order. 3-D Secure needs an exact match, so terminals formatting a transaction differently cause declines that look random and are not.
Payments that survive a bad connection
Every payment carries a unique ID, so a dropped connection and a retry settle once, not twice. Checkout hiccups are normal, and planning for them keeps customers from ever being charged twice.
Questions on this work
How much does a 3-D Secure payment integration cost?
It depends on how many terminals you run and how consistent they are, so we review your setup before quoting. One gateway with a standard checkout takes a few weeks. Multiple branches with different terminal types takes longer. Reviewing your setup costs nothing.
Why do 3-D Secure payments fail with a hash mismatch?
Almost always because your system and the gateway packaged the data slightly differently before signing. Even a tiny difference, like field order, breaks the match. We fix it with one fixed format everywhere, so every terminal matches the gateway exactly.
Can you work with our existing gateway and terminals?
Yes, that is the most common project. Most clients already accept payments and have one problem: random declines, settlement numbers that do not add up, or a terminal that will not certify. Fixing what you already have is most of the work.