in light of all the payment raging, (( must read ))

[Korpg]

SE has always professed to strive for regional and platform balance and their skew toward the JP region has been more cleverly masked in the past... but this is just right out there slapping everyone in the face and pissing on open wounds.

If you feel that way, and I mean honestly feel that way, then I'm sorry for you.

I think that they allow 3D Secure payments for their JP customers is because that is a payment system they are most familiar with. It could also be the one that they get for free, because you think that the 3D Secure system is free to companies? SE already is part of a major corporation in JP, and most, if not all corporations have banks, so they can bypass the 3D secure fee from their bank (charging yourself is silly). Why pass up a free service?

[RAIST]

If you feel that way, and I mean honestly feel that way, then I'm sorry for you.

I think that they allow 3D Secure payments for their JP customers is because that is a payment system they are most familiar with. It could also be the one that they get for free, because you think that the 3D Secure system is free to companies? SE already is part of a major corporation in JP, and most, if not all corporations have banks, so they can bypass the 3D secure fee from their bank (charging yourself is silly). Why pass up a free service?

3DS is a feature of the processing system, not a system in and of itself. Sometimes you have to sign up for it yourself through the bank that issues your card--some come with it by default (mine do). It is basically an extra tier in the authentication protocols--kind of like a secret password in addition to the authentication pair. Hence the "3D"--3 components have to match up instead of just the normal to.

Jsecure is on the JCB card accounts and built into their processing by default if I remember right, and a large protion of the bigger processors (especially ones dealing with e-commerce) use it also. So, I seriously doubt SE is paying anything extra to specifically use it. It never even came up when we were dealing with processors, and they deal primarily in ecommerce. It may well be the norm to have the option to enable/disable it in the generic scripts so it's easy for them to rolll out the code to different users depending if they will be doing e-commerce or not. We were dealing with government and e-tail front-ends, so likely OPC and Cybersource just had it all turned on by default.