3D Secure

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 to reduce fraudulent activity and chargebacks.

How it works

Here’s one example of how Cardholder 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 a one time PIN

Step 6

Transaction approved or declined based on one time PIN entry

What are the benefits?

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

Need help?

Talk to your payment gateway provider about 3D Secure and how it can help your business with merchant solutions.