What is 3D Secure?

3D Secure is a security protocol that provides an additional layer of protection for online transactions. It was developed by Visa and later adopted by Mastercard under the name "Mastercard SecureCode". This protocol adds an extra step to the checkout process, requiring cardholders to enter a unique code, usually sent via text message or email, before the transaction can be completed.

This extra authentication step helps prevent unauthorized use of credit and debit cards in online transactions. By requiring customers to enter a code that only they have access to, it makes it more difficult for fraudsters to make fraudulent purchases with stolen card information.

The 3D Secure protocol has been widely adopted by merchants around the world, and is now used by most major banks issuing credit and debit cards.

The Benefits of Using 3D Secure

Using 3D Secure provides several key benefits for both merchants and consumers:

The Drawbacks of Using 3D Secure

While there are many benefits associated with using 3D secure, there are also some potential drawbacks that should be considered: