What is 3D Secure Authentication?
3D Secure is an additional layer of security to make online shopping transactions safer, by authenticating a cardholder’s identity at the time of purchase. It’s provided by Visa as 'Verified by Visa', and by Mastercard as 'Mastercard SecureCode'. 3D Secure adds an additional step to the authentication of online payments. In order to complete a transaction using a credit or debit card, a cardholder must provide additional proof of identity, such as a password or other information known by the cardholder. Control over what details are needed to verify the cardholder, sits with the issuing bank for the card used.