What do you mean by 3DS?
3DS is a security protocol used to authenticate users. This provides an extra layer of protection for payment card transactions in card-not-present scenarios. It was designed to allow a cardholder to authenticate its identity to prevent payment fraud, stymie unauthorized transactions, and reduce chargebacks.
Directory Server (DS)
Generally managed by a payment network. Authenticates the 3DS Server requests and validates the 3DS requestor as trusted and registered. Maintains account and ACS routing data, and routes 3DS messages between the 3DS Server and the ACS.
3D Secure (3DS) adds an extra layer of protection to online shopping. With 3DS enabled, you have 2-step authentication on every online purchase—so no payments will ever go through unless you authorize them yourself.
3D Secure (3DS) is a protocol that adds extra security to online credit card and debit card payments. It ensures that a form of online identification is added to the authorization of a financial transaction with a credit card. This extra security is based on a 3 domain model of which the name 3D Secure is derived.
3D Secure is an additional layer of security to make online shopping transactions safer, by authenticating a cardholder's identity at the time of purchase. It's provided by Visa as 'Verified by Visa', and by Mastercard as 'Mastercard SecureCode'.
Only 3D Secure merchant sites will ask for a password for authentication purpose. How would I know if a merchant is 3D Secure compliant? If a merchant is 3D Secure compliant, you will be able to see the Verified by Visa or MasterCard SecureCode logo on the site.
The three domains consist of the merchant / acquirer domain, issuer domain, and the interoperability domain (e.g. Payment Systems). A: The EMV 3DS test platform is now live and available for EMV 3DS v2.
The Interoperability Domain where the DS is situated, is owned and operated by the Payment Network. If the Payment Network also runs a Payment Token Service, merchants that practise Card Data on File (CDOF or CoF) could convert the portfolio to Payment Tokens to be used during the 3DS processes.
An access control server, also referred to as ACS, is built as part of the 3-D secure (3DS) protocol to prevent fraudulent online transactions. ACS provides the necessary high-level security needed to keep transactions safe and secure, and is normally deployed by card issuers.
Once the benefits of the revised 3DS technology became apparent, the U.S. began requiring credit card processing networks and issuing banks to use 3DS.
How do I get my 3DS authentication?
- Activate. The bank that issued your Visa card will activate 3-D Secure for you automatically. ...
- One-time password. You will be asked to authenticate yourself in a separate window displayed on the site using your 3-D Secure password or the one-time password issued to you. ...
- Validation.
For extra fraud protection, 3D Secure (3DS) requires customers to complete an additional verification step with the card issuer when paying. Typically, you direct the customer to an authentication page on their bank's website, and they enter a password associated with the card or a code sent to their phone.

- 15 Take 3D Pictures & Video.
- 14 'Snap Up' Your Shots.
- 13 Draw AR Characters.
- 12 Mimic/Disguise Your Voice.
- 11 Record A Synth Track.
- 10 Connect To Your Phone's Mobile Hotspot.
- 9 Tour The Louvre.
- 8 Order Food.
A part of new rules introduced by the Financial Conduct Authority (FCA), it will see all UK online retailers required to follow a new technology and authentication protocol called 3D Secure 2 (3DS2) from March 14.
3-D Secure 2.0 can cost anywhere between $. 10 and $. 30 per transaction.
Only 3D Secure merchant sites will ask for a password for authentication purpose. How would I know if a merchant is 3D Secure compliant? If a merchant is 3D Secure compliant, you will be able to see the Verified by Visa or MasterCard SecureCode logo on the site.
Amazon Payment Services offers industry standard 3D Secure capabilities that automatically checks whether a card is enrolled in 3D Secure. If a customer's payment card is enrolled card with 3D Secure the customer is automatically passed through the 3D Secure authentication stage.
3D Secure authentication is performed only if the card is enrolled for the service. When your customer submits their card details on your website for processing, you have the option of triggering 3D Secure.
Due to PSD2 (Payment Services Directive) regulations the use of 3D Secure will become mandatory for all ecommerce transactions in 2021, with some exemptions.
As a merchant, you accept more and more payments digitally every day, yet you need to ensure that every transaction is secure. Mastercard Identity Check leverages the latest authentication standards of EMV® 3-D Secure (replacing 3DS 1.0) to complete more transactions without disruption.
Why is my card not 3D Secure?
This means that the cardholder hasn't entered their details correctly. A 3D secure authentication error could be due to everything from a mistyped card number to an incorrect expiration date. If the error continues, the cardholder will need to contact their credit card issuer for assistance.
The name 3D comes from the three-domain model used to provide the additional layer of secure authentication between the financial authorization process and online authentication process. The three domains used to provide this security are: Acquirer Domain: The bank and the merchant receiving the transaction payment.
The AliExpress website is a secure place to enter your card details. All info sent to and from the site is encrypted with HTTPS¹¹ – the industry-standard communications protocol. And AliExpress uses 3D Secure¹², for additional protection when paying by card.
3D Secure 2
With 3DS2, merchants have the ability to send far more data to the issuing bank than with 3DS1. Rather than only relying on static passwords, 3DS2 enables the use of dynamic authentication through biometrics and token-based authentication methods.
- VISA. Visa Secure.
- Mastercard. SecureCode.
- JCB. J/Secure.
- AMEX. American Express SafeKey.