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3D Secure 2.x - Frictionless Transactions & Method URL
3DS Secure 2.x has a cool feature called Frictionless transactions, which facilitates the Issuers (and participants) to skip the 2nd factor (Challenge Request), thus leading to less cart abandonment.
In this video, i want to present how "Risk Based Authentication" facilitates Frictionless Transactions. How more data points are collected in 3DS 2.x (like Method URL) to achieve the same.
For technical enthusiasts, i recommend to debug your 3DS ecommerce transactions by using Developer Mode on your browsers and analysing the flow of calls.
Переглядів: 1 046

Відео

Apple Pay - an overview
Переглядів 3,7 тис.Рік тому
Hello all, This video provides an overview of Apple Pay. It covers, - What is Apple Pay - Different components in Apple Pay - Card Provisioning and Payment Flow This video does not go into detailed technical aspects of Apple Pay. It only provides a high level overview. Some reference links: atadistance.net/2022/05/08/in-the-apple-pay-monopoly-debate-context-is-everything/ support.apple.com/fr-f...
Intro to 3DS 2.0
Переглядів 14 тис.2 роки тому
This video is an Introduction to 3DS 2.0 i.e. 3D Secure 2.0 protocol. It covers, - Overview of a 3DS 1.0 - Standard eCommerce transaction flow - Brief Introduction to 3DS 2.0 - Different Transaction Types & Flows supported by 3D Secure 2.0 - Different Parties in 3DS 2.0 (3DS Requestor, 3DS Server, 3DS Client, 3DS SDK, ACS, Directory Server) - Example Transaction Flow - Differences between 3DS 1...
Overview of HSM - Hardware Security Module
Переглядів 19 тис.2 роки тому
This video provides about Hardware Security Module - HSM. It covers, - What is HSM? - Types of HSM (General Purpose, Payment HSM) - HSM standards - Cloud HSM - Key points This video does NOT talk about Key types, encryption methods, algorithms. Check this playlist out for Payment Cryptography - ua-cam.com/play/PLq6InkZqS2g2MFS7Efys-0KBQlsuVhpyb.html Reference links provided in the video are bel...
NCMC - National Common Mobility Card - An Overview (Transit + Payment Cards)
Переглядів 4,3 тис.2 роки тому
NCMC - National Common Mobility Card - India's initiative for implementing an interoperable transport card plus a Payment card in it. This video provides an overview of NCMC ecosystem and its message flows. It covers the following, NCMC Ecosystem Card Type, Card Structure Card Issuance Process AFC Ecosystem Message flows Service Creation Money Add Debit Transaction I'd also recommend you to thr...
Terminal & Acquirer Host Certification - A High Level Overview
Переглядів 5 тис.2 роки тому
This video provides a high level overview of Certification processes involved in Acquirer landscape specifically Terminal and Acquirer Host. Topics covered are, - Overview of Acquirer Landscape - Various components of Terminal (Interface Module, Proximity Coupling Device, Application Kernel). - Terminal Certification - Level 1, 2, 3 - Acquirer Host Certification - Tools used (few tools) If you ...
Issuer - Scheme Certification - A High Level Overview
Переглядів 6 тис.2 роки тому
This video provides a high level overview about Issuer - Scheme Certification. Schemes like MasterCard and Visa certify new members that are onboarded on their network. Members can be either Issuers, Acquirers or Processors etc. This video covers only Issuers. It covers the following, - Features where Issuers need to comply with Scheme regulations - What is Certification - Various steps involve...
Introduction to Account Aggregators - Open Banking - India
Переглядів 4,4 тис.2 роки тому
This video is an introduction to Account Aggregators, (recent) Open Banking implementation in India. It covers, - Data needs by Financial Institutions for various products - What is the current process of Data Upload & challenges with the current process - “Brief” about Open Banking - Account Aggregators - Parties involved (FIPs, FIUs) & their responsibilities - Data flow incase of Account Aggr...
Commercial Cards - A Primer
Переглядів 4,7 тис.2 роки тому
This video is a primer about Commercial Cards. It defines “What are Commercial Cards”. It also covers the following, Explain different type of Commercial Cards like, - Corporate Cards - Purchasing Cards - Business Cards - Fleet Cards Advantages of Commercial Cards Some important features of Commercial Cards like, - Spend Control - Billing and Statements
EMV Byte 7 - Contactless - An Overview
Переглядів 7 тис.3 роки тому
In my previous videos in the EMV series, I've covered EMV Payment flows for Contact mode. I want to extend this EMV video series to explain "EMV Contactless Payments" Before we look into that, this video is an Introduction to the basics of Contactless (RFID), which is fundamental to EMV Contactless Payments. This video briefs, “What is RFID?”, “How does RFID work (various components)” This vide...
Authorizations - Stand In Processing (ISO8583)
Переглядів 10 тис.3 роки тому
This video is about “Stand-in Processing (STIP)”, in Traditional Authorisation processing. It covers, - What is a Stand-in - How does Stand-in work - MTIs and Key Data Elements
Virtual Cards - A Primer
Переглядів 2,1 тис.3 роки тому
This video is a Primer on Virtual Payment Cards. It covers - What is a Virtual Payment Card - Where an a Virtual Card be used - Why do we require a Virtual Card - Some key points For further reading: icard.com/en/all-about-virtual-cards privacy.com/virtual-card
EMV Byte 6 - Issuer Script Processing
Переглядів 6 тис.3 роки тому
This 6th video in the EMV Series, is about Issuer Script Processing. This video presents, - What is EMV Scripting, A Use-case of EMV Scripting - What sort of updates are possible in Issuer Scripting - How does an EMV Scripting work (Data Elements used) - Some key notes about EMV Scripting
UPI - Unified Payments Interface - A Primer
Переглядів 62 тис.3 роки тому
This video is a primer on India’s Unified Payment Interface (UPI). The video consists of 3 chapters, 1. Overview of UPI and a look at volume 2. Brief History of UPI. Payments Systems available in India prior to UPI (NEFT & IMPS). Importance of IFSC and Acc# 3. UPI terminologies, PSP, Customer Registration Process, Push Transaction flow UPI Terminologies/Concepts covered : Payee, Payer, SDK (NPC...
Introduction to Cryptography in Payment Cards (A Primer)
Переглядів 14 тис.3 роки тому
This video is an Introduction to Payment Cards - Cryptography. It is divided into 3 chapters, - Chapter 1 covers Basics of General Cryptography (not specific to Payments): Symmetric & Asymmetric Key Cryptography, What is HSM - Chapter 2 covers Important Terminologies in Payment Cryptography: Data Encrypting Keys & Key Encrypting Keys, Concept of a Zone - Chapter 3 covers few important keys like...
ISO8583 Message Types & Flows
Переглядів 32 тис.3 роки тому
ISO8583 Message Types & Flows
EMV Byte 5 - Overview of ARQC
Переглядів 14 тис.3 роки тому
EMV Byte 5 - Overview of ARQC
EMV Byte 4 - Chip Application Data - A Practical Class
Переглядів 8 тис.3 роки тому
EMV Byte 4 - Chip Application Data - A Practical Class
An Introduction to ISO20022
Переглядів 35 тис.3 роки тому
An Introduction to ISO20022
Introduction to Payment Card PINs
Переглядів 7 тис.3 роки тому
Introduction to Payment Card PINs
Prepaid Card - A Short Introduction
Переглядів 7 тис.3 роки тому
Prepaid Card - A Short Introduction
EMV Series - Byte 3 - Commands & EMV Transaction Flow
Переглядів 21 тис.3 роки тому
EMV Series - Byte 3 - Commands & EMV Transaction Flow
EMV Series - Byte 2 - Introduction to Files & Data inside Chip
Переглядів 17 тис.3 роки тому
EMV Series - Byte 2 - Introduction to Files & Data inside Chip
ISO8583 - Data Elements - Continued
Переглядів 29 тис.3 роки тому
ISO8583 - Data Elements - Continued
Payment Cards - Traditional Authorizations Protocol & Message Format (ISO8583)
Переглядів 49 тис.3 роки тому
Payment Cards - Traditional Authorizations Protocol & Message Format (ISO8583)
EMV Series - Byte 1 - Introduction
Переглядів 28 тис.3 роки тому
EMV Series - Byte 1 - Introduction
mVisa - Technical Overview (Push Payments)
Переглядів 3,4 тис.3 роки тому
mVisa - Technical Overview (Push Payments)
Push vs Pull Payments
Переглядів 9 тис.3 роки тому
Push vs Pull Payments
Promotional Plans
Переглядів 2,5 тис.3 роки тому
Promotional Plans
Acquiring - Merchant Back-office System - An Introduction
Переглядів 10 тис.3 роки тому
Acquiring - Merchant Back-office System - An Introduction

КОМЕНТАРІ

  • @JoeFarm-e9f
    @JoeFarm-e9f 2 дні тому

    Don’t play

  • @JoeFarm-e9f
    @JoeFarm-e9f 2 дні тому

    @swipetoolz gotchu brothers

  • @JoeFarm-e9f
    @JoeFarm-e9f 2 дні тому

    On Tele

  • @virendrasingh-hf2rv
    @virendrasingh-hf2rv 5 днів тому

    Nice Tutorial in a simpler way👍

  • @SergjioXoxlov
    @SergjioXoxlov 14 днів тому

    0: 0:15 15 🎉 0🎉:15

  • @user-nq2mf6df3p
    @user-nq2mf6df3p 18 днів тому

    Hello Satish Sir, Request if you throw few light on SSL & Signer Certificates with commands.

  • @rajeshm8113
    @rajeshm8113 22 дні тому

  • @nels.beckman
    @nels.beckman 26 днів тому

    Thanks for the great video! Does the TSP always do this "translation" from token to PAN? I was under the impression that some large issuers managed this mapping themselves.

  • @OmarJumaSalimAlSukaiti
    @OmarJumaSalimAlSukaiti Місяць тому

    Thank you for your information

  • @chandrasekharrout2957
    @chandrasekharrout2957 Місяць тому

    Does terminal send request to issuer to perform ISSUERSCTIPT COMMAND. In which request issuer have to send issuer script command. Does terminal send pin change or card block request so that issuer send issuer script command.

  • @parthsinha4476
    @parthsinha4476 Місяць тому

    In the Scenario 4, finally the transaction fails?

  • @hemantjadhav1176
    @hemantjadhav1176 Місяць тому

    Hi Sir, What is mean by "Scheme" in this example?

  • @statebankofindia6095
    @statebankofindia6095 Місяць тому

    Very good explanation, it's helping me alot thanks, keep doing

  • @attiqurrahman4587
    @attiqurrahman4587 Місяць тому

    How can i get slides?

  • @rejathkr
    @rejathkr Місяць тому

    Hi sir, could you please create a video on different types of payment terminal integrations to the POS systems, and how Mpos or Softpos works and the types.

  • @sreerajchundayil588
    @sreerajchundayil588 Місяць тому

    Excellent video. Where is the second part?

  • @rajeshm8113
    @rajeshm8113 Місяць тому

    Very helpful

  • @arunprashanna7494
    @arunprashanna7494 Місяць тому

    A nice walkthrough on the basics of the payment system. Kudos :)

  • @pampokes2855
    @pampokes2855 Місяць тому

    Words are not clearly audible or differently audible. This problem is with all youtubers.

  • @RahulKumar-ku9wb
    @RahulKumar-ku9wb Місяць тому

    Awesome, this is what i was searching for since long. Thank you so much.

  • @eslamahmad8162
    @eslamahmad8162 Місяць тому

    Hello Friend, I am interested to learn more, could you please share your contact to discuss further details if you are able to provide your knowledge as service

  • @dineshgct
    @dineshgct Місяць тому

    Great video

  • @sonakshikhangar9156
    @sonakshikhangar9156 2 місяці тому

    Sound is very week .....

  • @ugochukwunwabu3956
    @ugochukwunwabu3956 2 місяці тому

    perfect explanations, thank you

  • @RSridhar
    @RSridhar 2 місяці тому

    Thanks ...But Voice is very Low Bro ....

  • @jcrshankar
    @jcrshankar 2 місяці тому

    Nice please add more videos

  • @bitwisedevs469
    @bitwisedevs469 2 місяці тому

    Information like this even in high level overview helps people like me who is currently specializing in payment industry specifically payment cards and processing transactions. Thanks a lot!

  • @eastwood6723
    @eastwood6723 3 місяці тому

    Do u have telegram

    • @eastwood6723
      @eastwood6723 29 днів тому

      @@TimTrev-ov5yi don’t no witch one is you

  • @srikarrao2119
    @srikarrao2119 3 місяці тому

    Can you provide the ppt as i need to explain to my friends?

  • @chandrasekharrout2957
    @chandrasekharrout2957 3 місяці тому

    Hlo sir ,can you help me KW command for arqc validation

    • @LearnPayments
      @LearnPayments 3 місяці тому

      Hi Chandrasekhar, if you have any specific error that you’re facing, I can try to help. Drop an email with the error to learn.payments.2020@gmail.com

    • @TimTrev-ov5yi
      @TimTrev-ov5yi Місяць тому

      I recommend *CITYMETHODS*

    • @TimTrev-ov5yi
      @TimTrev-ov5yi Місяць тому

      On te le

  • @andreidandu3799
    @andreidandu3799 3 місяці тому

    Aplicatia Google Pay😮

  • @GPGP189
    @GPGP189 3 місяці тому

    what is Open to Buy

    • @LearnPayments
      @LearnPayments 3 місяці тому

      Amount credit available for a customer to do a transaction. Say if you’re using a credit card, and your credit limit is 1000 , and you’ve used it for a purchase of 100. Then your available credit is 900 that’s open to buy

  • @bibhorhalan8479
    @bibhorhalan8479 3 місяці тому

    Very good Video ; Suggest if you can add examples in the transaction flow using hypothetical figures and person

  • @jithinnarayan7452
    @jithinnarayan7452 3 місяці тому

    Very useful information Sir. Thanks a ton!

  • @AmitLokare_1
    @AmitLokare_1 3 місяці тому

    Great video

  • @satish1012
    @satish1012 3 місяці тому

    Also in the transaction flow The pin will go trough the PSP right? For example, if i have installed Google Pay . The flow would look like this GPAY On my mobile --> PSP (Google Server) --> NPCI UPI Server --> Bank My question why can't GPAY directly connect with NPCI UPI server? Like below GPAY On my mobile NPCI UPI Server --> Bank

    • @LearnPayments
      @LearnPayments 3 місяці тому

      I guess the answer lies in the reason that UPI communicates with the PSPs. This link helps you with the responsibilities of the different parties www.npci.org.in/what-we-do/upi/roles-responsibilities Refer to Annexure V and VI of this doc www.slbcmadhyapradesh.in/docs/UPI_Procedural_Guidelines24_12_2016.pdf for the flow

  • @satish1012
    @satish1012 3 місяці тому

    in 15:46 , will the PIN travel "trough" PSP server? I understand it is encrypted but it will go through PSP server right?

    • @LearnPayments
      @LearnPayments 3 місяці тому

      Thats right, also the responsibilities vests with the PSP Bank.

  • @ramesherrabolu1590
    @ramesherrabolu1590 3 місяці тому

    Is there a web service to use UPI without having to use a mobile device

  • @ramesherrabolu1590
    @ramesherrabolu1590 3 місяці тому

    When user is registering for the first time they are asked to provide a phone number so as to do "Device FingerPrinting". Understand that this phone number is used to link with bank account. Why can't the procedure decouple this aspect i.e. allow Phone number per Sim card to be X and Phone number of Bank account is Y. At the time of device fingerprinting user could be given the choice of specifying both X and Y. For most situations they will be same.

  • @1974avinash
    @1974avinash 3 місяці тому

    Thanks a ton for making this video @learn payments. The best part is the SIMPLICITY (language + content) and the pace of delivery. Simply SUPERB!!!

    • @LearnPayments
      @LearnPayments 3 місяці тому

      Thanks for the nice words ! Avinash

  • @kamilgolinski7254
    @kamilgolinski7254 3 місяці тому

    Nice explained !! Keep going.

  • @rahulwrs
    @rahulwrs 3 місяці тому

    Very Nicely Explained!

  • @user-kn3ui2nw3z
    @user-kn3ui2nw3z 3 місяці тому

    Thank you 😊

  • @user-blackwoodscider
    @user-blackwoodscider 4 місяці тому

    Please tell more on thitd party processors connection to a Banking system

    • @LearnPayments
      @LearnPayments 4 місяці тому

      With respect to Cards, there are a lot of types of TPPs. This link from Visa gives an overview (not an exhaustive list) usa.visa.com/content/dam/VCOM/download/merchants/tpa-registration-program-faqs.pdf

  • @user-blackwoodscider
    @user-blackwoodscider 4 місяці тому

    Top notch very well structured content! Bravo.

  • @user-yi5wt1nd6q
    @user-yi5wt1nd6q 4 місяці тому

    Who will validate or authenticate UPI pin is Npci or isser bank.

    • @LearnPayments
      @LearnPayments 4 місяці тому

      Issuer ecosystem

    • @user-yi5wt1nd6q
      @user-yi5wt1nd6q 4 місяці тому

      @@LearnPaymentsthanks , means the work of Npci is to transfer requests or store data in his data base is this right

  • @raviajrana9206
    @raviajrana9206 4 місяці тому

    Excellent video..can you share similar info on UPI pull payment.

  • @user-gl9mn7py6f
    @user-gl9mn7py6f 4 місяці тому

    Very clearly explained..no such explanation in other videos or other learning channels

  • @adityabhambri2043
    @adityabhambri2043 4 місяці тому

    Hello! Thank you for making this video. You have explained it very well in a simple manner. I have a question, it is a little off topic from the subject of your video though. If a bank implements/migrate from 3DS 1.0 to a EMV 3DS. And a transaction is authenticated by an OTP, I am assuming it would show ECI 05 transaction to the bank. If a cardholder tries to claim a CNP transaction authenticated by EMV 3DS as fraud, as a bank can I deny the cardholder's claim? Thanks in advance

    • @LearnPayments
      @LearnPayments 4 місяці тому

      Yea the bank can deny the claim for a fully authenticated transactions

  • @adityabhambri2043
    @adityabhambri2043 4 місяці тому

    Hello! Thanks for making the video. It is very informative. I have a question, could you please suggest if the above 3DS OTP authentication in the video is different from the EMV-3DS OTP authentication? Thanks in advance

    • @LearnPayments
      @LearnPayments 4 місяці тому

      Hello Adi, EMV 3DS is nothing but 3DS 2.x. The earlier version is 1.0. OTP (one time password/passcode) via mobile or email is only a method of validation in 2.x including OOB and others. Whereas in 1.0, it was the most prevalent method. When I made the video in question I only referred to 1.0, but there is a diff video which talks about 3DS 2.0 ua-cam.com/video/ViL4xAU2FQQ/v-deo.html

    • @adityabhambri2043
      @adityabhambri2043 4 місяці тому

      @@LearnPayments Thank you!