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What is 3D Secure?

3D Secure provides an extra layer of protection for your business and customers for their online purchases. 3D Secure deters unauthorised card use and helps you to reduce fraudulent activity and chargebacks.

How does it work?

Here's one example of how user authentication may work.


Step 1: Cardholder makes a purchase

Step 2: Merchant initiates authentication

Step 3: 3D Secure ID check

Step 4: Further validation or transaction approved

Step 5: For further validation cardholder receives one time pin

Step 6: Transaction approved or declined based on one time pin entry

What are the benefits?

  • Improved customer authentication
  • Reduced cart abandonment, fraud and can reduce chargebacks
  • Increased credibility and customer loyalty
  • Cardholders have a fast, simple, and convenient authentication experience