What is 3-D Secure and why is it used?

3-D Secure is a way to authenticate online transactions, similar to enter a PIN code or writing a signature for a transaction on a physical terminal in a shop or restaurant. It was initially developed by VISA under the name 'Verified by VISA' and was soon adopted by MasterCard (SecureCode), JCB (J/Secure) and American Express (Safekey®).

There are several forms of 3-D Secure authentication. Depending on the customer's bank and originating country, it can be using a card reader or digipass, entering a PIN-code, or entering a piece of data that only the cardholder can know. 3-D Secure allows merchants selling online to request customers to verify they are the genuine cardholder to help reduce instances of fraud.

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