3D Secure
What is 3D secure?
3D Secure (3-domain secure), also known as Payer Authentication is a security protocol to prevent fraud in transactions with credit and debit cards online. Currently, this service is provided by Visa and MasterCard under the name Verified by Visa and MasterCard SecureCode, respectively.
Payer Authentication is a three-part process. The parties involved are the seller, the buyer (the bank that processes the payment) and card issuers (i.e., Visa or MasterCard).
What are the benefits of using 3D Secure?
Reduce Disputes
The primary benefit of 3-D Secure for Members is the reduction in disputed transactions and the resultant exception handling expense and losses. It is expected that nearly 80% of all e-commerce chargebacks and fraud, and a substantial proportion of customer complaints, could be eliminated with the use of Authenticated Payment. This will have a positive impact on Member profitability.
Boost Confidence
A less tangible, but nevertheless real, benefit is the assurance members can provide to their cardholders who are considering e-commerce transactions. Studies indicate that as many as a third of cardholders are afraid to shop online due to security concerns. Authenticated Payment may convince prospective ecommerce shoppers that it is safe to use their card online.
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Additional Benefits
Benefits for Cardholder
- Increased consumer confidence when purchasing
- No special software is needed at the cardholder device
- Easy to use
- Control over card use for online purchases
Benefits for Cardholder
- Minimal impact on merchant’s interaction with consumer
- Increased sales by enhancing consumer confidence
- Reduced risk of fraudulent transactions
- Decrease in disputed transactions
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