3-D Secure

3-D Secure is a credit and debit card authorisation program, implemented by Visa (as 'Verified By Visa') and MasterCard (as 'MasterCard SecureCode'), to help reduce fraudulent purchases by verifying purchaser identity during online transactions. Put simply, 3-D Secure is the Internet equivalent of Chip & PIN. Our payment gateway provides are all 3-D Secure across all acquirers as standard.

The primary benefit of 3-D Secure to the merchant is the shift of liability from the merchant to the issuer on certain types of disputed online transactions. For the cardholder, 3-D Secure provides increased confidence that their card details are secure when purchasing over the internet.