What is 3D secure authentication and how does it work?

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As the online payments landscape is evolving, so are the methods of fraud and identity theft. To keep up with the changing landscape and protect consumers, businesses need to implement fraud prevention measures. 3D secure authentication is one such measure.

It’s a simple yet effective way to reduce fraud and protect consumers’ identities and data. Let’s find out more about 3D secure authentication and 3d secure payments work!

What is 3D secure authentication?

3D secure authentication is an added layer of security for online card payments. It was originally developed by Visa in 2001 and is now also used by Mastercard, American Express, Discover, and JCB.

When 3D security is enabled, the customer will be prompted to enter a one-time code or password when making a purchase. This code is generated by the card issuer and is only known to the customer.

This extra step helps to verify the identity of the cardholder and prevent fraudsters from using stolen or counterfeit cards. It also protects businesses from chargebacks due to fraud.

How do 3D Secure payments work?

When a customer makes through certain websites and buys goods, they will be prompted by their card issuer to enter a one-time code or OTP.

This code is generated by the card issuer and is only known to the customer. It is typically sent via SMS or email.

The customer then enters the code on the website to complete the purchase. If the code is entered correctly, the transaction is completed and the goods are shipped.

If the code is entered incorrectly, or if the customer does not have the code, the transaction will be declined and the goods will not be shipped.

3D secure authentication is voluntary for consumers but it is mandatory for merchants in some countries.

This means if someone is trying to commit fraud, they will be declined. But if the customer is legitimate, they can still complete their purchase without any hassle.

What are the benefits of 3D secure?

There are many benefits of 3D secure for both businesses and consumers. Let’s take a look at some of the most important ones:

  1. Reduced fraud

3D secure ads are a security layer to online payments, making it more difficult for fraudsters to steal card details and carry out fraudulent transactions. It’s accosted with credit and debit cards as an additional measure to the already existing chip and PIN system.

  1. Improved customer confidence

By using 3D secure authentication, businesses can show their customers that they take security seriously and are doing everything they can to protect their details. This can help to build trust between a business and its customers, leading to increased sales and repeat business.

  1. Greater peace of mind

With 3D secure payments in place, businesses can have greater peace of mind knowing that their customers’ details are better protected against fraudsters. They can also be reassured that they are doing everything they can to comply with PCI DSS (Payment Card Industry Data Security Standard) requirements.

  1. Streamlined payments

Despite the added security measures, 3D secure authentication can actually help to streamline the payment process for customers. Once they have registered their card with a 3D secure provider, they will usually be able to make fast and convenient one-click payments on future purchases.


To conclude, having a reliable and secure payment system is essential for any business, especially if you are selling online. 3D secure authentication is one of the best ways to protect your customers’ details and reduce the risk of fraud. While it’s not compulsory in all countries, it’s definitely something to consider if you want to build trust with your customers and streamline the payment process.

If you are looking for a secure payment solution for your business, then look no further. We specialize with many years of experience in providing robust payment solutions for businesses of any size. We only use up-to-date technologies to keep you updated with the latest trends. This way we ensure to give your customers the best possible experience. Book a free consultation call with us today, and let us take your business to the next level!


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