3D Secure Authentication

3D Secure (3DS) is an enhanced authentication protocol that adds an extra layer of security to credit card transactions, helping to prevent fraudulent activities. During payment, customers must verify their identity with the card issuer, typically through a one-time password (OTP) or biometric authentication.

In most cases, the merchant redirects customers to their bank's verification page, where they enter a password linked to the card or a code sent to their phone. Customers may recognize this process under different card network brand names, such as:

• Visa Secure (Visa)

• Mastercard Identity Check (Mastercard)

Regulatory Compliance & Fraud Prevention

Under the Strong Customer Authentication (SCA) requirements outlined in PSD2 (Europe) and similar regulations in the UK, India, Japan, and Australia, the use of 3DS is mandatory for certain card payments.

In regions where 3DS is not required, businesses can still enable it as a fraud prevention tool, enhancing transaction security and reducing unauthorized payments.

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