3D Secure
3D-Secure is a security protocol used by credit card issuers to ensure that the actual cardholder is requesting the transaction. It is also commonly known as “Verified by Visa” or “Mastercard SecureCode”. It requests the cardholder to enter a unique password or code which is sent to the cardholder via SMS or an on-line payment page.
In some countries, 3D Secure is mandated by the card companies. It is delivered in two forms, either “friction” (requiring a response) or “frictionless” in which no response from the consumer is required. Some merchants dislike the “friction” method, as there is an inevitable fallout of legitimate transactions.
3D-Secure is very inexpensive and is highly recommended as a first step in building an effective security protocol.
