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.