3-D Secure

How it is used

Used in e-commerce and card fraud prevention, often written 3DS. Shoppers are redirected to a 3-D Secure page, and merchants can make it compulsory. Card schemes brand it as Visa Secure, Mastercard Identity Check and so on. When a payment is authenticated this way, fraud losses often shift from the merchant to the issuer.

Example sentences

1. The payment failed because the customer closed the 3-D Secure window before confirming.

2. We require 3-D Secure for all first-time purchases on our website.

Common collocations

• 3-D Secure authentication
• 3-D Secure payment
• 3DS code
• non-3-D Secure transaction

Related terms

• OTPShort for one-time password: a code that is valid for a single login or transaction and only for a short time, usually sent by text message or created in an app.
• two-factor authenticationA way of checking identity that asks for two different kinds of proof, such as a password plus a code sent to your phone, before giving access.
• chargebackThe reversal of a card payment after the cardholder disputes it, for example because of fraud or goods that never arrived. The money is taken back from the merchant.
• merchantA business that accepts card or digital payments from customers for goods or services, such as a shop, restaurant or online store.
• fraudDeceiving someone to get money or another advantage illegally, such as using stolen card details or opening an account with a fake identity.

More terms: Payments & Cards

• credit card
• debit card
• wire transfer
• IBAN
• transaction
• credit limit
• contactless payment
• minimum payment
• direct debit
• POS terminal
• ATM
• PIN