3D Secure Transactions and Their Role in Preventing Fraud

 


Online payments offer convenience, but they also come with the risk of fraud. To tackle this, 3D Secure (Three-Domain Secure) adds an extra layer of security for online transactions.

What is 3D Secure?

3D Secure is a security protocol that requires customers to verify their identity during a transaction. It involves the merchant, the bank, and a system that facilitates secure communication between them. This process ensures only authorized users complete payments.

How Does It Work?

  1. Transaction Begins – Customer initiates payment.

  2. Authentication – User confirms identity via OTP, biometric, or password.

  3. Approval or Rejection – If verified, the transaction proceeds; otherwise, it's declined.

Key Benefits

  • Fraud Prevention – Stops unauthorized payments.

  • Fewer Chargebacks – Reduces disputes and merchant losses.

  • Customer Trust – Buyers feel safer during checkout.

3D Secure 2: What's New?

3D Secure 2 offers mobile-friendly authentication, biometric login, and frictionless payments for low-risk transactions. It balances security and user experience, reducing cart abandonment.

Read the whole blog to know more: 3D Secure Transactions and Their Role in Preventing Fraud

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