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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.