3DS Referins Phone

For extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. Typically, you direct the customer to an authentication page on their bank’s website, and they enter a password associated with the card or a code sent to their phone. This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check.

The Strong Customer Authentication regulation in Europe requires the use of 3DS for card payments. 

NOTE: The amount will be refunded after 24 hours.

Customer Experience:
How this will look on a Desktop Browser:

Step 1: The customer enters their card details.

Step 2: The customer’s bank assesses the transaction and can complete 3D Secure at this step.

Step 3: If required by their bank, the customer completes an additional authentication step.

How this will look on an IOS Device:

How it will look on an Android Device:

Note

While 3D Secure greatly enhances payment security, it is important to recognize that no system can completely eliminate fraud. To provide a comprehensive approach to online payment security, 3DS should be used in conjunction with other security measures, such as secure payment gateways and encryption protocols.

FAQ

What is 3D Secure?

3D Secure is an additional layer of authentication for online credit card transactions. It requires cardholders to verify their identity through a one-time password or other authentication method before the transaction is completed.

How does 3D Secure reduce fraud?

By requiring additional verification from the cardholder, 3DS helps to ensure that the transaction is authorized by the legitimate cardholder, thus reducing the likelihood of fraudulent transactions.

Do all payment gateways support 3D Secure?

Most modern payment gateways support 3DS. Check with your payment service provider to ensure that your gateway is compatible and properly configured.

Is 3D Secure mandatory for all transactions?

3D Secure is typically required for transactions in certain regions or under specific conditions, such as high-value purchases. However, the requirements may vary based on local regulations and payment service provider policies.