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Currently, most issuing banks operate with additional authentication of the customer according to the protocol version 3-D Secure 1.0 for all types of cards.For a more reliable authentication process, issuing banks and payment systems are switching to a new version of protocol 2 .0 and higher for all types of cards (VISA, Mastercard).

The benefits of the new protocol are:

...

Information about the used protocol version can be obtained as a result of the operation by order number or from the sended authorization results to the merchant server.