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E-commerce vocabulary · Payments and Fraud Prevention

3D Secure

Meaning in e-commerce, with examples

nounCommon term

In e-commerce, 3D Secure means: An extra security step for online card payments in which the card's bank asks the customer to confirm the purchase, for example with an SMS code or a banking app.

In Turkish: 3D Secure, 3D güvenli ödeme

How it is used

Used by payment, fraud and support teams, and often shortened to 3DS. Payments go through 3D Secure or fail at 3D Secure. It reduces card fraud and can shift responsibility for some fraud chargebacks away from the merchant, but an extra step can also cause drop-offs.

Example sentences

  1. The customer's payment failed because the 3D Secure code expired.

  2. We require 3D Secure for all orders above a certain amount.

Common collocations

  • 3D Secure authentication
  • 3D Secure code
  • fail 3D Secure
  • 3DS2
  • payment gatewayA service that securely sends a customer's card or other payment details from the online store to the banks and returns whether the payment is approved.
  • fraud detectionChecking orders and payments for signs of fraud, such as stolen cards or fake accounts, often with software that gives each order a risk score.
  • chargebackThe reversal of a card payment after the cardholder disputes it with their bank, for example claiming the item never arrived or the payment was fraudulent.
  • PCI DSSShort for Payment Card Industry Data Security Standard: the security rules that any business that stores, processes or sends card data must follow.

More terms: Payments and Fraud Prevention

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