A complete guide to 3D secure authentication.

Published: 20/ 08/ 2019

What is 3D secure authentication?

We'll cover off everything you need to know in this guide.

If you’ve ever made a payment online using a credit or debit card, you’ll have mostly likely already used 3D secure. 

It’s a fraud prevention measure launched in 2001 by Visa (as Verified-by-Visa) and is now backed and recognised by credit and debit card providers Mastercard (as Mastercard Secure Code) and American Express (as American Express SafeKey).

3D secure is one of the key security features when you take online payments through a payment gateway. It’s an additional step to help protect against card payment fraud.

How does 3D secure work?

When you go to pay on a website and enter your payment details, you then get redirected to your debit or credit card provider’s 3D secure web page. It’s here where you are normally asked to provide either:

  • the password that you’ll have previously set-up with your bank
  • a one-time authentication code that’s sent to your mobile phone.

Sometimes you won’t be asked to provide any details at all. After you enter the right details and the payment is approved by the card provider, you’re then automatically sent back to the website with an order confirmation message. It’s a quick and simple process.

What are the benefits of 3D secure?

3D secure gives an added level of security for both you and your customers, helping to stop card details being stolen and used online. It also protects against any unauthorised transaction chargebacks. Once the transaction has passed the 3D secure authentication process, you, the merchant, is no longer liable for the purchase.

The liability is passed to the card payment provider who will be responsible for sorting any customer refunds. It means you can save time and money with less settlement disputes with your customers.

How do I get started?

If you’re ready to get started taking payments, we can help. We’re all about making it easy. That’s why 3D secure authentication is included in our online payment gateway solution, along with IP address, AVS and CV2 checks.

Our gateway can be easily linked with your site, giving you access to a range of UK shopping carts, like Magento, Prestashop and WooCommerce. You can check our developer support for our helpful guides on website integration and shopping cart options.

We’ll help you get set-up a merchant account. This is separate to your business bank account. It’s like a holding area where your payment funds are checked and processed before being sent to your account for you to access.

Get PCI compliant.

Although 3D secure authentication helps add another layer of security to online payments, you'll still need you to make sure that you're meeting the PCI compliance security measures. This makes sure that you're storing, processing and transmitting customer data in the correct way. 

If you need help getting PCI compliant, we can help with this. We have a team of PCI specialists who will guide you into getting your business fully compliant over the phone, for a small one off fee.

Ready to take online payments? Just fill in our quote form or give us a call today.

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