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What is 3D card authentication?

16 May 2022 By PAYCEC

3D card authentication is a process of confirming your transaction with an OTP code. This process can safeguard your card activity, protect you from unauthorized transactions, and give you a chance to rethink your impulsive shopping decision.

Let's say you are online shopping for a new bag using your credit card. You choose a bag you kind of like, hit purchase, and get taken to a checkout page. You fill out all the information in the checkout page, and receive an OTP message on your phone asking you to input it in the web page. When you get to this point, you decide that you’re not that much into the bag, you don’t want it anymore. So with 3D card authentication, you won’t have to worry about canceling the order, or getting a refund. Just don’t enter the OTP passcode into the merchant website and the purchase just simply won’t happen. So in other words, the OTP gives you a chance to have a second thought before making a transaction.

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