Merchanpay

What is 3D Secure authentication?

Protect your payments with the powerful 3D Secure tool and build trust with your customers.

3D Secure helps you authenticate your customer and their card. It ensures a higher level of protection against fraudulent card use.

Reduces online fraud
3-D Secure significantly reduces the amount of online fraudulent activity, including identity theft and unauthorized card use. It protects the cardholder’s data and increases customer trust in your website.
Minimizes the risk of chargebacks
With 3D Secure, you can verify whether a buyer is the actual cardholder. If a fraudster attempts to purchase from your online store, 3D Secure will prevent it, saving you from disputes and chargebacks.
Avoid liability for chargebacks
Liability shifts from you to your buyer’s card issuer, and you can dispute the chargeback.

How does 3D Secure work?

3D Secure stands for 3 Domain Secure. In short, it’s an additional authentication method for online credit card transactions. It also provides protection against card misuse for the merchant and their acquiring bank, the cardholder and their issuing bank, and the card network associations (Visa, MasterCard).

After the customer clicks the payment button, the 3D Secure window prompts your customer to authenticate and confirm the card payment. This window is usually branded with the MasterCard SecureCode or Verified by Visa logos. Your buyer must enter a personal password (or security code), which will be verified by their card issuer.

Enable it now, it’s free!

Merchanpay offers 3D Secure protection completely FREE, and you don’t even need to worry about enabling it in your online store. Apply for Cardinity payment services and enjoy selling online safely.

Start Accepting Secure Online Payments