An authentication step for online card transactions to enhance security, requiring the cardholder to enter a password or use biometrics.
Online commerce depends on payments being seamless and secure. 3D Secure adds an important layer of protection for processing cards online. By understanding this advanced protocol, merchants can reduce risky transactions and prevent fraud.
3D Secure is an authentication standard that adds a step to online or mobile checkouts. Cardholders verify identity by entering a password or code sent to their phone during purchase.
This extra check aims to ensure the real cardholder is present, reducing unauthorized use. 3D Secure is branded under names like Verified by Visa, Mastercard Identity Check, and American Express SafeKey.
Adopting 3D Secure offers merchants valuable protections:
Integrating 3D Secure does create extra checkout friction and data requirements. But overall the security trade-off is worthwhile through increased revenue and lower disputes.
Follow these best practices to smoothly implement 3D Secure:
With the right strategies, merchants can seamlessly integrate this vital security protocol and take transactions to the next level.
3D Secure closes security gaps at online checkout by requiring cardholder identity confirmation. While adding a step, enhanced protection from fraud makes the trade-off more than worthwhile. Adopting advanced authentication means merchants can thrive on digital payments with confidence.