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What is 3-D Secure?

3-D Secure is a fraud prevention tool that provides additional security for online transactions. Issuing banks use 3-D Secure to help verify the cardholder’s identity during a transaction.

Note: Using 3-D Secure shifts the liability for chargebacks to the cardholder or issuing bank.

The following are examples of 3-D Secure:

  • MasterCard SecureCode
  • Verified by Visa
  • American Express SafeKey

How does 3-D Secure work?

When a cardholder makes a purchase online, they are redirected to their bank’s 3-D Secure website. The website prompts the cardholder to enter one of the following:

  • A password that the cardholder previously set up with their bank.
  • A one-time code that 3-D Secure or the issuing bank sends to the cardholder.

The issuing bank receives a result from 3-D Secure that indicates if the cardholder successfully entered their password or code. The issuing bank uses the result to decide whether to continue with the transaction or cancel the transaction.

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