{"id":5828,"date":"2024-02-13T14:29:12","date_gmt":"2024-02-13T14:29:12","guid":{"rendered":"https:\/\/iprovpn.com\/blog\/?p=5828"},"modified":"2025-06-02T14:05:39","modified_gmt":"2025-06-02T14:05:39","slug":"what-is-3d-secure","status":"publish","type":"post","link":"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/","title":{"rendered":"What Is 3D Secure And How Does It Work?"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">In order to prevent fraud, 3D Secure is an authentication technique that adds an extra layer of security to credit card transactions.\u00a0You can choose to have 3D Secure added on each time an online credit card transaction is conducted.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The three parties involved are the card issuer, the shop that receives the payment, and the 3D infrastructure platform, which serves as a safe intermediary between the customer and the store.<\/span><\/p>\n        <div class=\"iprovpn_btn_cta_row\">\n    \t<a class=\"btn_cta\" href=\"https:\/\/iprovpn.com\/buy-vpn\" title=\"Get iProVPN Now\">Get iProVPN NOW <i class=\"fas fa-long-arrow-alt-right\"><\/i><\/a>\n    \t<\/div>\n    \n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_75 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<div class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/div>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #000000;color:#000000\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #000000;color:#000000\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#How_Does_3D_Secure_Work\" >How Does 3D Secure Work?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#1_Start_Of_A_Transaction\" >1) Start Of A Transaction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#2_Authentication_Request\" >2) Authentication Request<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#3_Procedure_For_Authentication\" >3) Procedure For Authentication<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#4_Verification_Or_Rejection\" >4) Verification Or Rejection<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#5_Completion_Of_The_Online_Transaction\" >5) Completion Of The Online Transaction<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#The_Advantages_Of_3D_Secure\" >The Advantages Of 3D Secure<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#%E2%80%A2_Shift_in_Liability\" >\u2022 Shift in Liability:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#%E2%80%A2_Benefits_Related_to_Interchange\" >\u2022 Benefits Related to Interchange:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#%E2%80%A2_Confidence_In_Customers\" >\u2022 Confidence In Customers:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#%E2%80%A2_Adherence_To_Legal_Requirements\" >\u2022 Adherence To Legal Requirements:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#How_3D_Secure_Can_Help_You_Stay_Safe\" >How 3D Secure Can Help You Stay Safe<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#Conclusion\" >Conclusion:<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/iprovpn.com\/resources\/what-is-3d-secure\/#Start_Browsing_Privately\" >Start Browsing Privately!<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"How_Does_3D_Secure_Work\"><\/span><strong>How Does 3D Secure Work?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">An extra degree of protection for online transactions is offered by the multistep, multiparty 3D Secure method. A dependable and efficient authentication system can be created by completing each of these procedures.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0We&#8217;ll go over each crucial step of the procedure in detail below.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"1_Start_Of_A_Transaction\"><\/span><strong>1) Start Of A Transaction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Normally, when a consumer\u00a0enters\u00a0their credit card information on the company website. The server of the company now detects the requirement for 3D Secure authentication and makes a request to the acquirer, the bank that handles the company&#8217;s <a href=\"https:\/\/www.sofi.com\/credit-card\/\">credit card<\/a> transactions.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The <a href=\"https:\/\/iprovpn.com\/servers\">server<\/a> decides if 3D Secure is required based on the transaction&#8217;s nature and the card issuer&#8217;s restrictions, so the business is crucial to this phase.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"2_Authentication_Request\"><\/span><strong>2) Authentication Request<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The card network, usually <a href=\"https:\/\/usa.visa.com\/\">Visa<\/a> or <a href=\"https:\/\/www.mastercard.us\/\">Mastercard<\/a>, receives this request from the acquirer and passes it to them in order to enable communication between the issuer and the acquirer.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">A successful or unsuccessful transaction may depend on prompt and accurate communication between the acquirer and the card network. <\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"3_Procedure_For_Authentication\"><\/span><strong>3) Procedure For Authentication<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">The authentication request is sent to the card issuer when the card network has identified it. Next, the card issuer requests more information from the cardholder, typically via an in-app interface or pop-up window.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"4_Verification_Or_Rejection\"><\/span><strong>4) Verification Or Rejection<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">A\u00a0key\u00a0stage\u00a0in\u00a0the\u00a0transaction\u00a0procedure.\u00a0The issuer verifies the information provided by the cardholder in order to authenticate the transaction. The acquirer then notifies the firm after receiving a response from the issuer via the card network.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The transaction is approved upon a successful authentication. On the other hand, a negative answer may lead to the cancellation of the transaction.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"5_Completion_Of_The_Online_Transaction\"><\/span><strong>5) Completion Of The Online Transaction<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Ultimately, the business completes the transaction and delivers the products or services if the issuer verifies the cardholder&#8217;s identification.<\/span><\/p>\n<h2 style=\"text-align: center;\"><span class=\"ez-toc-section\" id=\"The_Advantages_Of_3D_Secure\"><\/span><strong>The Advantages Of 3D Secure<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">3D Secure provides the following advantages to retailers:<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%A2_Shift_in_Liability\"><\/span><b>\u2022 Shift in Liability:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b><\/b>As you are aware, you are normally responsible for this transaction when there is a chargeback. The obligation is transferred from you to your issuing bank when you use 3D Secure.<\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%A2_Benefits_Related_to_Interchange\"><\/span><b>\u2022 Benefits Related to Interchange:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><b><span style=\"font-weight: 400;\">You can be eligible for reduced interchange costs and longer payment periods with your acquirer.<\/span><br \/>\n<\/b><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%A2_Confidence_In_Customers\"><\/span><strong>\u2022 Confidence In Customers:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><strong><span style=\"font-weight: 400;\">This is essential. Knowing that there is an additional layer of protection in place to protect their data will give many customers greater confidence.<\/span><br \/>\n<\/strong><\/p>\n<h3><span class=\"ez-toc-section\" id=\"%E2%80%A2_Adherence_To_Legal_Requirements\"><\/span><strong>\u2022 Adherence To Legal Requirements:<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">Businesses find it challenging to stay up to date with the regular updates made by regulatory organizations to their standards. Using 3D Secure can assist you in maintaining compliance and avoiding costly penalties and legal issues.<\/span><\/p>\n<h3><span class=\"ez-toc-section\" id=\"How_3D_Secure_Can_Help_You_Stay_Safe\"><\/span><b>How 3D Secure Can Help You Stay Safe<\/b><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<p><span style=\"font-weight: 400;\">If the legitimate cardholder files a chargeback with their bank and you wind up shipping items because the payment was fraudulent, your business will suffer. A chargeback is a reversal of a transaction in which the cardholder receives their money back.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">By usually requesting a secure PIN, 3D Secure confirms that the individual making the payment is the legitimate owner of the credit card being used. To finish the authentication process, the cardholder is taken to a page on their bank&#8217;s website for verification.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Finishing this verification lowers the possibility of chargebacks and increases your chances of winning disputes in the event that chargebacks do occur.<\/span><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><b>Conclusion:<\/b><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-weight: 400;\">How can you be certain that the individual at the register inputting your card details isn&#8217;t using a fraudulent one? 3D secure is that it provides an extra layer of protection to lessen the possibility of card details being stolen and misused online. It guards against chargebacks for any unlawful transactions. <\/span><\/p>\n    \t<hr class=\"mt-5\">\n        <div class=\"custom_CTA mt-5\">\n            <div class=\"row\">\n                <div class=\"col-lg-7 align-self-center text-lg-left text-center\">\n                    <h3><span class=\"ez-toc-section\" id=\"Start_Browsing_Privately\"><\/span>Start Browsing Privately!<span class=\"ez-toc-section-end\"><\/span><\/h3>\n                    <p clas=\"mb-0\">iProVPN encrypts your data for protection against hackers and surveillance. Unblock your favorite streaming platforms instantly with the best VPN for streaming.<\/p>\n                <\/div>\n                <div class=\"col-lg-5 align-self-center text-center\">\n                    <a class=\"custom_btn_cta\" href=\"https:\/\/iprovpn.com\/buy-vpn\" title=\"Get iProVPN Now\">Get iProVPN NOW<\/a>\n                <\/div>\n            <\/div>\n    \t<\/div>\n    \n","protected":false},"excerpt":{"rendered":"<p>In order to prevent fraud, 3D Secure is an authentication technique that adds an extra layer of security to credit card transactions.\u00a0You can choose to have 3D Secure added on each time an online credit card transaction is conducted.\u00a0 The three parties involved are the card issuer, the shop that receives the payment, and the [&hellip;]<\/p>\n","protected":false},"author":10,"featured_media":12792,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-5828","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-privacy-security"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What is 3D Secure &amp; How Does It Work? 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