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Description

Multi-Factor Authentication (MFA) is a method used to verify a user's permission to access a service, website, or application. Security professionals now view the traditional reliance on just a username and password as insufficient. MFA employs various secure credentials, significantly decreasing the chances of identity theft or malicious attacks. Mi-Token enhances the security of your login by using a one-time password (OTP), which is only valid for a single session or transaction. Additionally, users have the option to incorporate a PIN alongside the OTP, ensuring that their authentication method adheres to numerous industry standards for MFA, including the regulations set by the Payment Card Industry Standards Council (PCI DSS 3.2). This layered approach to security helps safeguard sensitive information from unauthorized access.

Description

Utilize our API libraries and SDKs to process a diverse range of payment methods, including options like Apple Pay® and Google Pay™, among others. You can submit payments using stored credentials, with transaction types available for 'authorize,' 'purchase,' and 'recurring.' It's essential that the fields for Stored Credentials are filled with valid information; otherwise, the transaction could be denied or treated as a standard credit card transaction. Integrate 3DS in collaboration with our third-party provider, Cardinal Commerce, for credit card and token-based transactions, allowing you to obtain 3DS payloads, CAVV, XID, and more, while executing Authorize and Purchase transactions using 3DS. Additionally, you can establish and validate requests to quickly confirm consumer identity, access customer's bank account details, and optionally gather extra customer information such as their name, address, email, and phone number. This validation step should be conducted prior to initiating the enrollment request provided by the Consumer Profile Management service, ensuring a seamless payment experience. By incorporating these features, you enhance security and improve customer satisfaction in transaction processing.