What is 3D Secure?

3D Secure (3-Domain Secure) is a method of payer authentication which helps to prevent fraud in online credit and debit transactions. 

                                                                                                                                                                                                              Exclusive Pay (2019)

When you use your card for the first time to purchase goods and services from 3D Secure registered merchants, the cardholder is required to register their card. The details provided will then be used to authenticate any future purchase from any enrolled merchants.

If you are a merchant offering 3D secure, you are protected from liability for fraud (for most card types- refer to your PSP for more details) whether or not the cardholder opts to do 3D secure transaction.

For more information see: https://www.aibms.com/help/fraud-prevention/3d-secure/