An extra authentication layer for online payments (branded as Visa Secure, Mastercard Identity Check, etc.) that verifies the shopper with the issuer. It reduces fraud and can shift fraud-chargeback liability to the issuer.
Why it matters for your business
Terms like 3-D Secure aren't just jargon — they sit behind what you actually pay to accept payments. Understanding them is the difference between reading your statement and being at the mercy of it. If you're not sure how this shows up in your own costs, the fastest way to find out is to have someone read your statement line by line.
See what you're really paying →Related — Risk & Compliance