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Home 3D Secure Credit Card
3DS credit card is a security protocol used by worldwide card schemes to authenticate 3DS credit card online transactions, and make online shopping safer, nourish brand loyalty, as well as improve customer confidence in shopping on your website.
You can recognize credit card 3D Secure authentication merchants by Verified by Visa, MasterCard SecureCode, American Express SafeKey, JCB J/Secure, or Discover ProtectBuy logo on the online merchant website.
OTP - 3DS credit card
The technology is named this because every 3D Secure transaction involves 3 parties:
- Acquirer (Acquiring bank): is the bank on the merchant end of the transaction.
- Issuer (Issuing Bank): is the cardholder or customer's bank.
- Interoperability: is the payment environment system (processor, card schemes, etc.)
The OTP will be required when you make an online transaction with your 3DS credit card. Customers can see the OTP 3D Secure credit card requirement at the final step. OTP is defined differently depending on the card schemes.
| Card issuer brand | 3D secure code brand |
| Visa | Verified by Visa |
| Mastercard | Mastercard Secure code |
| Discover | ProtectBuy |
| American Express | American Express SafeKey |
| JCB International | J/Secure |
SCA - 3DS credit card
When online shoppers make payment by 3D authentication credit card, the 3D Secure credit card validation payment gateway proceeds the online transaction with SCA (Strong Customer Authentication). Customers are required to provide their payment card details including: card number, cardholder’s name, expiry date, CVV (Card Verification Value), and an additional 3DS code credit card verification step which is known as OTP/3D Secure to enhance safety in online checkout payment.
3DS credit card security offers various advantages:
- 3DS credit card prevents fraudulent usages, such as spoofing by credit card data theft.
- 3D Secure credit card provides a security by worldwide authentication service supported by 4 card brands: Visa, MasterCard, Amex, JCB, and Discover.
- 3D authentication credit card is easy to start to use by registration of necessary information such as password to card issuer.
Frequently Asked Questions
Which credit cards are 3D Secure?
Visa, MasterCard, Amex, JCB, and Discover are 3D Secure credit card authentication services for online 3DS credit card payments. These 3D authentication credit card brands provided 3D Secure enabled credit card under different names respectively:
- Verified by Visa
- MasterCard SecureCode
- American Express SafeKey
- JCB J/Secure
- Discover ProtectBuy
3D Secure credit card validation helps to protect against online fraud, and is a secure way to authenticate whether a customer who is making an online purchase is the rightful owner of 3DS credit card being used.
Let’s discover various benefits of online payment gateway that helps you collect payments with mind at ease and skyrocket your lucrative sales.
How do I know if my credit card is 3D Secure?
Typically, you will be directed to an 3DS credit card authentication page on the bank's website, and then enter a 3DS credit card security password associated with the card or input a One Time Password (OTP) code sent to your phone. This 3D Secure credit card validation of 3D Secure Visa adds an extra layer of fraud protection by requiring you to complete an additional 3D Secure credit card verification step with the card issuer when paying.
What is credit card 3D Secure authentication?
Credit card 3D Secure authentication, also known as a payer authentication, is a security protocol of 3D Secure Mastercard that helps to prevent fraud for online 3D authentication credit card transactions, which pass through a risk-assessment process set up by PayCEC’s 3D Secure enabled credit card payment gateway. Here, credit card 3D Secure authentication will request extra details from a cardholder to verify a purchase.
Do all credit cards have 3D Secure?
Not all credit cards have 3D Secure credit card validation. 3D Secure credit card validation payment is required only at merchant websites that support the 3D Secure credit card. Only 3DS credit card merchant sites will ask for a One Time Password code (OTP) for 3DS credit card authentication purposes. If a merchant is 3DS credit card security compliant, you will be able to see the Verified by Visa, MasterCard SecureCode, American Express SafeKey, JCB J/Secure, or Discover ProtectBuy logo on the site.
How do I register my 3D Secure credit card?
When you make an online purchase using PayCEC’s 3D Secure enabled credit card payment gateway via a credit card 3D Secure authentication merchant, a pop-up message will appear on your screen asking you to enter the One Time Password code (OTP), which is a unique random 6 digits sent to your registered mobile phone number via SMS.
Register 3D Secure credit card for merchants.
PayCEC provides 3D secure payment gateway services for merchants to integrate the checkout platform into their websites to facilitate online 3D Secure credit card payments. Merchants now can enjoy multiple ultimate services, and collect 3D authentication credit card payments with mind at ease.
Register 3D Secure credit card for customers.
The buyers need to contact the cardholder’s bank or customer service to request the 3D Secure credit card feature activation over the internet banking for 3D Secure enabled credit card registration.
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