There's a lot of fuss about this mysterious 3DS. We want to shed some light on this since it is key to understanding how the service works.
What is 3-D Secure?
3D Secure is a protocol designed to be an additional security layer for the online bank card transactions. It was originally developed with the intention of improving the security of Internet payments.
Basically, 3-D Secure adds an authentication step for online payments. 3-D stands for 3 Domain: there are 3 parties that are involved in the 3D Secure process:
- Issuer (the bank that issued the card);
- Acquirer (the bank and the merchant whom the money is being paid to);
- Interoperability (the infrastructure provided by the card scheme, credit, debit, prepaid, or other types of payment cards to support the 3D Secure protocol).
What cards can be accepted through 3-D Secure?
As 3D Secure is controlled by VISA and MasterCard, the following cards can be used: VISA, VISA Delta, MasterCard, MasterCard Debit, International Maestro, UK Maestro, and VISA Electron.
How can I learn if my card is already registered in the 3-D Secure service?
You can ask the issuer of your card whether it supports 3-D Secure or not.
Alternatively, you will know if your card supports the 3-D Secure service if you're redirected to its confirmation page when you make a purchase.