3D Secure authentication

3D Secure (3DS) is an authentication method that provides an additional layer of authentication for credit card transactions, protecting against fraudulent actors. 3DS asks your customers to verify their identity with the card issuer during payment. In most scenarios, you direct your customer to a verification page on their bank’s site where they type in a password linked to the card or a code sent to their phone. Customers might recognize this method through the card networks’ brand names, like Visa Secure and Mastercard Identity Check.

The Strong Customer Authentication regulation, as part of PSD2 in Europe and similar regulations in the UK, India, Japan, and Australia, might require using 3DS for card payments. 3DS is optional in other regions but you can still use it as a tool to reduce fraud.