3D Secure

3D Secure is a fraud protection layer that is available through specific payment gateways that support the protocol. 3D Secure involves three parties: the issuer (like Visa or Mastercard), the acquiring bank, and the payment system (gateway).

It allows shoppers to create and assign a password to their card that is then verified whenever a transaction is processed through a site that supports 3D Secure. This additional security layer helps prevent unauthorized transactions — protecting the merchant and shopper from exposure to fraud.

When 3D Secure is enabled on your store, shoppers are prompted to enter their pre-registered password after entering their credit card information. If they cannot enter their password correctly, they are asked to try again. Once the customer has successfully entered their password, they are directed to the order confirmation page. Below is an example of the 3D Secure prompt.

See Available Payment Gateways for all gateways that support 3D Secure.

For more information on adding one of these gateways to your store, see Online Payment Methods.

How do customers register their card for the 3D Secure program?

Shoppers can register their credit card by speaking to the bank that issued it. Some banks and gateways may automatically direct shoppers to a 3D Secure registration page when the card is first used on a store that supports 3D Secure.