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What is 3-D Secure?

Updated 1 month ago by Konstantin

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 3D Secure?

3D Secure is a protocol designed to be an additional security layer for online credit and debit card transactions. It was originally developed with the intention of improving the security of Internet payments.

Basically, 3D Secure adds an authentication step for online payments. "3D" 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 to whom the money is being paid);
  • 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 3D 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 “3D Secure” service?

You can ask the issuer of your card whether it supports 3D Secure or not.

Alternatively, you will know if your card supports the “3D Secure” service whenever you are making a purchase and get asked to enter your 3D Secure password.

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