3-D Secure, or 3DS, is a security tool that makes online shopping safer by adding an extra check during checkout. It asks the cardholder to prove who they are, ensuring the card isn’t being used by someone else. This step cuts down on fraud for purchases made over the internet.

Created by EMVCo, a group that sets rules for payment systems, 3DS is used by big names in the credit card world. Visa calls it Visa Secure, Mastercard uses Mastercard Identity Check, and American Express has SafeKey. It’s a way to keep both buyers and sellers protected.

Related Terms

• 3D Secure 1 (3DS1): The original setup that added a basic identity check for online payments.
• 3D Secure 2 (3DS2): A newer take with smoother steps and tougher security.
• Three-Domain Secure: The full name for 3DS, pointing to the three groups involved: the card issuer, the merchant’s bank, and the payment network.
• Cardholder Verification: Making sure the person with the card is the real owner.
• Payment Authentication Protocol: A system for double-checking online payments.
• Online Transaction Security: Ways to shield online purchases from scams.
• Strong Customer Authentication (SCA): A rule in some places that demands more proof for online buys.
• EMVCo Standards: Rules from EMVCo to keep payment systems safe and connected.