An extra level of authentication to ensure that the person making the transaction is a legitimate cardholder.
3D Secure (3DS), is an additional layer of security for online credit and debit card transactions.
It is designed to provide an extra level of authentication to ensure that the person making the transaction is a legitimate cardholder.
How does it work?
EMV 3D Secure (3DS) enhances online transaction security by monitoring variations in a cardholder’s usual behavior.
The system performs background checks and only triggers additional authentication if it detects unusual factors, such as a new device or an atypical transaction amount.
This ensures that extra verification is required only when necessary, streamlining the process for routine transactions. When additional authentication is required, the cardholder typically receives a one-time code in SMS/email, or a prompt for fingerprint, etc.
Benefits of 3D Secure
- Enhanced security: 3D Secure adds an extra layer of security by computing additional authentication, reducing the risk of unauthorized transactions and online fraud.
- Fraud prevention: Thanks to the additional authentication, 3D Secure helps prevent fraudulent transactions, protecting merchants from chargebacks and cardholders from unauthorized use of their cards.
- Reduces Fraud: Lowers risk of unauthorized transactions
- Prevents Chargebacks: Protects merchants and cardholders from fraud related disputes
- Boosts Consumer Confidence: Reassures cardholders with added security
- Streamlines Transactions: Minimizes friction for legitimate purchases
- Global Acceptance: Widely adopted across various regions and merchants
3D Secure offers flexible, user-friendly protection. It ensures a secure and efficient online experience.