3D Secure

3D Secure

3D secure is an XML-based security protocol for online credit and debit card transactions. 3D Secure adds an authentication step for online payments, making it possible for cardholders to authenticate their online transactions with their card issuers, using a password or OTP.

Benefits of using 3D secure

  • Reduces fraudulent debit & credit card transactions processed through online platforms
  • Gives the merchants and acquiring bank liability protection

3D secure providers

  • CyberSource
  • Bankserve

3D secure with iVeri

  • High: 3D secure – If a merchant is deemed high risk, the acquiring bank can set merchants on this level. Merchants that want lowest possible risk can also opt for this level.
  • Medium: 3D secure/attempted- This option gives merchants a broader reach in the cards they can accept. When enabled, the liability is shifted to the card issuer.
  • Low: Secure Channel – If there is no 3D secure in place, the merchant and acquiring bank take on all the risk