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EMV 3-D Secure

Programs designed to save you money and follow the proper rules.

What is EMV 3-D Secure?

For business proprietors, EMV 3-D Secure (also known as 3-D Secure, EMV 3DS or just 3DS) emerges as a global security solution with a primary goal of protecting the integrity of your eCommerce operations and preventing fraudulent activities. Initially conceived by Mastercard and Visa, you may be familiar with its original names, “MasterCard SecureCode” and “Verified by Visa.” In essence, when customers engage in online transactions through your platform, 3-D Secure quietly comes into play. It operates behind the scenes, bolstering the authentication process to ensure that the individual initiating the transaction is indeed the legitimate account holder. This seamless interaction involves the secure exchange of pertinent data among your business, the card issuer, and, at times, the customer. By working together, this collaborative effort significantly reduces the risk of a deceptive form of fraud referred to as “card-not-present fraud.” As a business owner, integrating 3-D Secure into your framework exemplifies a proactive strategy to enhance transactional security and cultivate trust among your clientele.

How does 3-D Secure Work?

For business proprietors utilizing the 3-D Secure system, the ensuing process mirrors these key stages:

  1. Customer Input: Your customer inputs their payment details, whether through a phone or computer.
  2. 3-D Secure Authentication: Upon proceeding, your customer encounters a 3-D Secure page, where they engage with an authentication prompt. This involves entering a PIN or password (alternatively, SMS text messages and one-time passwords are also prevalent methods).
  3. Secure Data Exchange: At this point, your system collaborates with the acquiring bank and the issuing bank, facilitating the secure exchange of encrypted data. This exchange is pivotal in accurately verifying the customer’s identity. Subsequently, the system generates an acceptance or declination response.
  4. Customer Notification: To close the loop, the customer is promptly notified of their acceptance or denial status.

Integrating 3-D Secure into your business operations streamlines these steps, reinforcing the security of transactions while nurturing a sense of trust and confidence among your customer base.

Applicable to nearly all e-commerce business Types!

3-D Secure holds relevance for all businesses due to its universal advantages. It acts as a potent shield against online fraud, securing finances and reputation. Its implementation underscores a commitment to customer trust and data security. The protocol’s adaptability suits various transaction types across industries. In a globally connected marketplace, 3-D Secure offers standardized security, fortifying financial integrity and bolstering customer confidence.

European Merchants: being PSD2 & SCA compliant – check out our blog post

Benefits of 3-D Secure
Benefits for your Business

Increase Acceptance Rates by up to 11%


Eliminate up to 90% of Chargebacks


Simple, Secure, and Seamless


Easy to install and monitor transactions


Compatible with most major CRMs, payment gateways, processing platforms

The authentication process commences immediately after the customer completes the input of their credit card details within the merchant’s payment form, prior to the final submission by the customer. Upon successful authentication, the merchant obtains 3DS data, subsequently relayed through the gateway and forwarded to the processor. Notably, this procedure remains imperceptible to the customer, transpiring seamlessly in the backend.
Approximately 65% of transactions undergo authentication, thereby becoming eligible for a liability shift. Employing strategies to enhance your payment page can effectively raise the count of authenticated transactions.
Our EMV 3DS partner’s platform can provide chargeback protection on Visa, MasterCard, American Express, and Discover transactions. Stay tuned, JCB is launching shortly.
The solution works with all types of e-commerce merchants, except merchants with the following MCC codes:

MCC 4829: Wire Transfer/Money Order.
MCC 5967: Direct Marketing-Inbound Teleservices.
MCC 6051: Non-Financial Institution-Foreign Currency, Money Order (not Wire Transfer), Travelers’ Cheques.
MCC 6540: Non-Financial Institutions: Stored Value Card Purchase / Load
MCC 7801: Government-Licensed Online Casinos (Online Gambling)
MCC 7802: Government-Licensed Horse / Dog Racing
MCC 7995: Betting, including Lottery Tickets, Casino Gaming Chips, Off-Track Betting and Wagers at Race Tracks

No, everything happens in the backend. There is no impact on the customer experience.

Become protected today with 3-D Secure!