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Tools / 3D Secure / Overview Ask ChatGPT Overview Building a modern checkout experience requires that merchants balance security and ease of use for their customers. Coupled with strict regulatory requirements, 3D Secure (3DS) can help to prevent fraud and meet Strong Customer Authentication (SCA) requirements. What's 3D Secure? 3D Secure (3DS) is a security protocol designed to add an extra layer of security for online transactions. 3DS links three domains — the issuer domain, the acquirer domain, and the interoperability domain (which includes the card scheme, payment processors, merchant plugins, and access control servers) — to facilitate data sharing and authenticate transactions through an additional verification step during checkout. 3DS involves requesting further information from the customer, aiding in identity verification and assessing the risk of fraud. Merchants adopting 3DS benefit by reducing fraud risk, as the liability for chargebacks on transactions verified through 3DS shifts from them to the card issuer. 3DS serves as a foundational mechanism for implementing Strong Customer Authentication (SCA) requirements, especially crucial in regions like the European Economic Area under the PSD2 regulation.
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