3D Secure

(3D secure is an international term)

3D Secure is a security protocol for online payments that offers additional protection against fraudulent transactions. It requires additional authentication of the cardholder to increase the security of online purchases.

3D Secure

3D Secure is a security standard developed to make online payments more secure. 3D Secure is a protocol that adds an extra layer of authentication for credit and debit card transactions. This process helps to reduce fraudulent activity and increase the security of online purchases.

The 3D Secure procedure normally involves additional verification of the cardholder during the payment process. This can be done by entering a one-time password that is sent to the cardholder's cell phone or by biometric authentication. This ensures that the cardholder actually authorizes the transaction.

It is important to note that 3D Secure was not developed by Payrexx itself, but is an industry-wide security standard supported by credit card companies such as Visa and Mastercard. Payrexx integrates 3D Secure into its payment platform to ensure the security of online payments for merchants and customers.

3D Secure examples

A customer wants to buy an expensive electronic product online and during the payment process is asked to enter a one-time password that he has previously received from his bank.

When completing a hotel booking, the cardholder is asked to use their fingerprint or facial recognition on their smartphone to confirm payment.

During an online purchase, the customer is asked to enter an SMS code sent to their registered phone number to verify the transaction.

3D Secure FAQ

  • Choosing a reliable merchant is crucial to ensure smooth payment processing, transparent terms and conditions and good customer service.

  • The use of 3D Secure may be required by credit card companies or banks to meet security standards and reduce fraudulent activity.

  • Yes, 3D Secure can be used on mobile devices and, depending on the implementation, can support biometric authentication methods such as fingerprint or facial recognition.

  • Yes, 3D Secure can slightly lengthen the payment process, but in return it offers greater security for cardholders and merchants.