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MasterCard SecureCode Implementation Guide

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Program Overview: E-commerce transactions account for significant share of MasterCard's gross dollar volume
Remote transactions increasing at rate of more than 40% per year
More than 70% of e-commerce chargebacks involve reason codes 4837 and 4863
Technical Components: Universal Card Authentication Field (UCAF) serves as standard authentication mechanism
Accountholder Authentication Value (AAV) used for transporting authentication data
Merchant plug-in software required for processing 3-D Secure messages
Base64 encoding used to transmit AAV data in authorization messages
Implementation Structure: Issuer Domain includes cardholder browser, enrollment server, and access control
Acquirer Domain consists of merchant plug-in and signature validation server
Interoperability Domain manages global infrastructure and authentication history
All components operate under MasterCard's global management
Security Features: Supports both static passwords and dynamic authentication solutions
Risk-based approach now used instead of risk-averse authentication
Provides global payment guarantee similar to POS transactions
Enables secure online transactions with Maestro cards