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Kevin Winschel
Kevin Winschel

3D Secure: Beynəlxalq bank kartlarınızın online alış-verişlərdə istifadəsi üçün təhlükəsizlik standartı

3D Secure: What is it and how does it work?

Online shopping has become a convenient and popular way for consumers to purchase goods and services from anywhere in the world. However, with the increase in online transactions, there is also an increase in the risk of fraud and identity theft. That's why online security is a crucial factor for both customers and merchants who want to ensure a safe and smooth payment experience.

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One of the solutions that has been developed to enhance online security is 3D Secure, a protocol that adds an extra layer of authentication for online card payments. In this article, we will explain what 3D Secure is, how it works, what are its benefits, and how you can implement it in your online business.


What is 3D Secure and why is it important for online transactions?

3D Secure is a protocol that was created by Visa and Mastercard to provide an additional security layer for online credit and debit card transactions. The name refers to the "three domains" that interact using the protocol: the merchant/acquirer domain, the issuer domain, and the interoperability domain.

The main purpose of 3D Secure is to verify that the person making an online purchase is the legitimate owner of the card being used. This way, both customers and merchants are protected from unauthorized or fraudulent charges. The protocol also shifts the liability for chargebacks from the merchant to the card issuer, reducing losses and disputes for online businesses.

How does 3D Secure protect both customers and merchants from fraud?

When a customer makes an online purchase using a card that is enrolled in 3D Secure, they are asked to provide an additional proof of identity before completing the transaction. This proof can be a password, a code sent to their phone or email, or a biometric verification such as fingerprint or face recognition. This process ensures that only the authorized cardholder can use their card online.

If a fraudster tries to use a stolen card or card details on a website that supports 3D Secure, they will not be able to complete the payment without knowing or having access to the cardholder's verification method. This prevents them from making unauthorized purchases and reduces the risk of chargebacks for merchants.

What are the benefits of 3D Secure for online businesses?

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Some of the benefits of using 3D Secure for online businesses are:

  • Reduced fraud and chargebacks: By requiring an extra authentication step, 3D Secure reduces the chances of fraudulent transactions and chargebacks. This saves time, money, and reputation for online businesses.

  • Increased customer trust and loyalty: By providing a secure payment environment, 3D Secure increases customer confidence and satisfaction. Customers who feel safe shopping online are more likely to return and recommend the online business to their friends and family.

  • Improved conversion rates: By offering a fast and easy authentication process, 3D Secure reduces the friction and abandonment that customers may experience during checkout. Customers who complete their purchases without hassle are more likely to buy again and spend more.

How 3D Secure works

What are the three domains involved in 3D Secure authentication?

The three domains that interact using the 3D Secure protocol are:

  • The merchant/acquirer domain: This domain includes the online merchant, the payment gateway, and the acquirer (the bank that processes the payment on behalf of the merchant).

  • The issuer domain: This domain includes the card issuer (the bank that issued the card to the customer) and the card network (Visa, Mastercard, etc.).

  • The interoperability domain: This domain includes the infrastructure and services that enable the communication and coordination between the other two domains. This includes the 3D Secure server, which is responsible for initiating and verifying the authentication process.

What are the steps involved in a typical 3D Secure payment process?

The steps involved in a typical 3D Secure payment process are:

  • The customer enters their card details on the merchant's website and clicks on "pay".

  • The merchant's website sends the card details and the transaction information to the payment gateway.

  • The payment gateway forwards the information to the acquirer, which sends a request to the card network to check if the card is enrolled in 3D Secure.

  • The card network contacts the issuer, which confirms if the card is enrolled in 3D Secure and sends a response back to the card network.

  • The card network sends a response back to the acquirer, which forwards it to the payment gateway.

  • The payment gateway sends a response back to the merchant's website, which redirects the customer to the 3D Secure server.

  • The 3D Secure server displays a secure page where the customer is asked to provide their verification method (password, code, biometric, etc.).

  • The customer enters their verification method and submits it to the 3D Secure server.

  • The 3D Secure server validates the verification method with the issuer and sends a response back to the merchant's website.

  • The merchant's website displays a confirmation page where the customer can review and complete their purchase.

How does 3D Secure verify the identity of the cardholder?

3D Secure verifies the identity of the cardholder by using one or more of these factors:

  • Something you know: This factor includes something that only you know, such as a password, a PIN, or an answer to a security question.

  • Something you have: This factor includes something that only you have, such as a code sent to your phone or email, or a physical token or device.

  • Something you are: This factor includes something that only you are, such as your fingerprint, your face, or your voice.

The combination of these factors provides a strong authentication that confirms that you are who you say you are.

3D Secure challenges and solutions

What are some of the challenges faced by 3D Secure implementation and adoption?

Some of the challenges faced by 3D Secure implementation and adoption are:

  • Lack of awareness and education: Some customers and merchants may not be aware of what 3D Secure is or how it works. They may also have misconceptions or doubts about its security or usability. This may lead to confusion, frustration, or reluctance to use it.

  • Inconsistent user experience: Some customers may encounter different authentication methods or interfaces depending on their card issuer, card network, or device. This may cause inconsistency, confusion, or inconvenience for customers who expect a seamless and uniform payment experience.

  • Poor performance and compatibility: Some customers may experience delays, errors, or failures during the authentication process due to technical issues or compatibility problems. This may affect their satisfaction and trust in online payments.

How does 3D Secure 2.0 address some of the limitations of the original protocol?

To overcome some of these challenges, Visa and Mastercard have developed a new version of 3D Secure called 3 D Secure 2.0 or 3DS2. T

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