3D Secure

Increase security and reduce chargebacks in real-time with 3D Secure!

Visa has developed a technology to increase the security of the credit card transactions that you accept. Now provided by both Visa and MasterCard, 3D Secure technology is offered under the "Verified by Visa"and "MasterCard SecureCode" brand name.

• Visa - Verified by Visa
• MasterCard - MasterCard SecureCode

Advantages of 3D-Secure

With 3D Secure, the risk of fraud and payment loss due to card misuse is significantly reduced.

Cardholders are protected from misuse of their credit card numbers because they have to produce confirmation of identity (i.e., by entering a code, before making a payment). The code is checked directly by the card issuer in real-time, before allowing the transaction to continue.

Security Check Process

When enrolled shoppers choose to pay online, a prompt from their card issuer appears and requests their personal password (similar to visiting an ATM machines). Within seconds, the card issuer confirms the identity of the shopper and allows the purchase to continue.

Chargebacks

Chargebacks occur when the cardholder denies making the authorized purchase. Both Mastercard SecureCode and Verified by Visa protect the merchant. Because of the secure password requirement, the cardholder's identity was confirmed prior to the purchase and the liability is shifted away from the merchant.