Which is safest online payment? / Which is the safest way to pay online?

05 Apr 2022 By PAYCEC

A payment gateway authorizes payments for merchants in all business categorizations. They ensure the security of a payment, sensitive information of the transaction and process it into a virtual station or an E-commerce website.

3D Secure transaction

3D Secure is an authenticated payment system to improve online transaction security and encourage the growth of e-commerce payments. Collectively Visa, MasterCard, and Amex secure systems are brand identities of the 3-D Secure Cardholder Authentication Scheme.

By demanding additional payment authentication, 3D Secure systems mimic the high level of security found in a physical payment environment. The goal is to deliver a safe and secure online payment experience across all three domains by employing a password that is verified by the card issuer and then double-checked by all other parties participating in the transaction. Payment gateway 3D secure follow 4 steps below:

  • Step 1: Make an online purchase.
  • Step 2: Enter your card details in the Payment section.
  • Step 3: An SMS with a one-time password (OTP) will be sent to your registered mobile device.
  • Step 4: Enter the one-time password (OTP) and complete your transaction.


The Payment Card Industry Data Security Standard (PCI DSS) is a set of industry-mandated requirements for any business that handles, processes, or stores branded credit cards from the major card schemes. PCI DSS was developed to protect consumers and their data whenever and wherever they make online payments.

Payment gateway compliance 6 objectives in PCI:

  • Build and maintain a secure network.
  • Protect cardholder data.
  • Maintain a vulnerability management program.
  • Implement strong access control measures.
  • Regularly monitor and test networks.
  • Maintain an information security policy.


Easy to understand, this feature has the function of changing the card numbers of customers. All essentially sensitive consumer information would be replaced by a one-of-a-kind identification or token that could not be reversed mathematically. The actual payment information is securely held in Visa Inc.'s data centers. In most cases, the token will keep the last four digits of the card as a means of accurately linking the token to the payment card owner, allowing the merchant to conduct business without having to deal with card data.

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