How does 3D payment gateway work?

09 Mar 2022 By PAYCEC

When it comes to online credit/debit card transactions, 3D secure is an extra layer that the payment gateway provider provides to the payment verification process to ensure strong user authentication. Underneath the surface, the entire procedure is based on three domains of security protocol, each involving three parties:

  • The acquiring bank is known as the acquirer.
  • Interoperability between the issuer and the issuing bank is the payment environment system ( processor, card schemes, etc.)

3D Secure (3-domain structure or 3DS)

Payer authentication, commonly known as 3D Secure (3-domain structure or 3DS), is a security mechanism that helps prevent fraud in online credit and debit card transactions.

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

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