Introduction

What is 3D Secure Authentication?

3D Secure authentication, also known as a payer authentication, is a security protocol that helps to prevent fraud for online credit card and debit card transactions. It allows banks to request extra details from a card holder to verify a purchase.

3D stands for “three domains.” The first is the card issuer, second is the retailer receiving the payment, and third is the 3DS infrastructure platform that acts as a secure gateway between the consumer and the retailer. Created by Visa and MasterCard, 3D Secure , also referred to as 3DS is a technical standard that adds a layer of security in online credit and debit card transactions.

The technology is named the same because every 3D Secure transaction involves three parties.

3D Secure is used extensively in the EU, Australia, India, Brazil, Mexico, Singapore, and other countries as it reduces the risk of fraudulent payments and makes online shopping and e-commerce transactions much safer.