3D Secure
What is 3D Secure?
3D Secure is a way to make online card payments safer. It’s like a quick ID check that pops up during checkout to confirm that the person using the card is the actual owner. This might mean typing in a code you get by text or using fingerprint or face recognition.
Why is it called “3D”? The name stands for “Three-Domain” — meaning three key players are involved: the bank that gave the card, the store taking the payment, and the system that connects them. All three work together to stop fraud before it happens.
Different card companies have their own versions. Visa calls it Visa Secure, Mastercard calls it Identity Check, and Amex calls theirs SafeKey. They all do the same thing—double-check who’s paying.
When businesses use Instant Accept with 3D Secure, they can catch suspicious activity and reduce chargebacks—without making the checkout process harder for good customers.
Want to make online payments safer for your business? Try Instant Accept free or request a demo today.
RELATED TERMS
Below is a list of related terms and synonyms commonly associated with 3D Secure:
- Verified by Visa
- Mastercard SecureCode
- Cardholder Authentication
- Fraud Prevention Protocols
- EMV 3-D Secure
- 3DS