What is 3D Secure Fraud Prevention?

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    3D Secure is a protocol founded by VISA under the brand name ‘Verified by VISA’ later credit card issuers MasterCard and AmericanExpress joined this 3D Secure protocol to reduce fraud and offer more security for online credit card transactions.

    It has 3 layers (domains)  first you have the card issuer, then you have the merchant, and last you have 3DS which validates every transaction with a Pincode.

     

    How does 3D Secure work?

    When a customer doing an online purchase and pays via credit card, they will be automatically redirected to a secure 3D page, where they need to fill in a password, after this, their payment will be approved by the credit card issuer.

    Credit Card Issuers that support 3D Secure:
    • MASTERCARD  (MasterCard SecureCode)
    • VISA  ( Verified by Visa)
    • AMERICAN EXPRESS (Discover ProtectBuy)
    • DINERS CLUB (SafeKey)

     

    Benefits of 3D Secure

    3D is an extra security layer on top of your checkout process, it reduces customer refunds, which means you save money on refund costs and of course valuable time.

    It is extra protection against fraud with stolen credit card details, which will have a negative impact on your business reputation if you do not take steps to prevent it.

     

    Start using 3D Secure Fraud Protection!

    We make it easy to use 3D Secure Fraud Protection at PayRequest, our Support Team can help you with questions like integrations, onboarding of your employees, and configuration of your payment page. Our self-service payment platform is designed for small and large businesses.

    Or just want to learn more about PayRequest? Click here!

     

    Let's Start Your Billing Automation Journey Today!

    At PayRequest, we’re here to help you simplify and scale your billing process. Whether you’re a freelancer, SaaS business, or digital agency, our platform makes it easy to manage subscriptions, send invoices, and get paid—faster.

    Frequently Asked Questions

    Have Questions About PayRequest? We’ve Got Answers.

    What is PayRequest?

    PayRequest is a cloud-based billing automation platform that helps you manage invoices, subscriptions, customers, and payments—all in one place. Whether you’re charging per product, per seat, or monthly, we’ve got the tools to streamline your workflow.

    Why should I use PayRequest for my business?

    We automate the boring stuff—like recurring invoices, payment reminders, and tracking failed payments—so you can focus on growing your business.

    Which payment providers does PayRequest support?

    We integrate with Mollie, Stripe, PayPal, Open Banking, and more, allowing you to accept payments globally and connect your bank accounts for real-time insights.

    Can I use PayRequest for digital products or subscriptions?

    Yes! Whether you’re selling software, coaching sessions, or downloadable products, PayRequest lets you create flexible products, smart checkout links, and a full customer portal.

    How do I track the success of my billing efforts?

    Our dashboard gives you clear insights into revenue, active subscriptions, payment status, and even upcoming renewals.

    Is PayRequest suitable for my industry?

    Results can vary based on factors like your industry, goals, and the level of competition. However, you can typically expect to see initial improvements in engagement and reach within the first few months. For more substantial growth and conversions, a longer-term commitment is often required.

    How soon can I expect results?

    You can start sending invoices or subscriptions within minutes. Most users see faster payments and better customer retention within their first billing cycle.

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