3D Secure
3D Secure is a 2-Factor authentication method. Many Payment Services Providers offer a version 3D Secure or will start to do so when SCA becomes mandatory.
Different Payment Service Providers may use the 3D Secure Framework under a brand name.
Visa Secure
Mastercard Identity Check
American Express SafeKey
3D Secure 1
Both customers and retailers can opt-out of the first generation 3D Secure, which is in use since 2001.
3D Secure is a frictional feature that customers will experience at checkout. However, it allows them to transfer liability for fraudulent transactions onto the card issuer. Customers can get a refund easily for fraudulent transactions.
To set up 3D Secure, customers must register with their credit card issuer. Customers will be directed to the card issuer's site during checkout to provide additional authentication information.
