What is a 3D Secure system?

16 May 2022 By PAYCEC

A 3D Secure system is a system that has the duty to double check customer information and reconfirm the authenticity of a transaction. The system is able to come up with a One Time Password of 4 to 6 random characters, and a transaction message. The message is optional and often includes the transaction amount, the receiver name and bank account. Its purpose is to help the account owner to clarify the transaction, know exactly who much and who they are transferring to.

After having generated the OTP and message, the 3D Secure system will have them sent to the account owner's registered phone number. The 3D Secure system is crucial to everyone’s banking security nowadays.

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