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Gateway Banking Portals - Australia & New Zealand
Gateway Banking Portals - Australia & New Zealand
Gateway Banking Portals 3D Secure
As online transactions continue to grow rapidly, the need for secure and reliable payment methods has become more pressing than ever. In fact, by 2026, 24% of retail purchases are expected to be made online.That’s where 3D Secure comes in.
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What is 3D Secure?
3D Secure is an authentication protocol that was developed by Visa to enhance the security of online payments. Mastercard and other major credit card companies later adopted it as well. The protocol is also known as Verified by Visa or Mastercard SecureCode, depending on the card brand. This protocol was made to enhance the security of online payments and protect both the card issuer and the cardholder from fraudulent activities. It was developed to address the growing concern over the security of online transactions, which have been becoming increasingly common since 2001.
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The 3D Secure protocol is used to verify the cardholder’s identity during an online transaction. This is done by requiring the cardholder to provide an additional authentication code sent to their registered mobile number or email address. The code is used to validate the transaction and ensure that the cardholder is indeed the authorised user of the card.
The Advantages of 3D
The main advantage of 3D Secure is that it adds an extra layer of security to online payments. By requiring an additional authentication code, the protocol makes it more difficult for fraudsters to use stolen card details to make unauthorised transactions. This helps to protect both the card issuer and the cardholder from fraudulent activities.
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Another advantage of 3D Secure is that it can reduce the risk of chargebacks. Chargebacks occur when a customer disputes a transaction and requests a refund from their card issuer. If the cardholder did not authorise the transaction, the merchant may be held liable for the chargeback.
By using 3D Secure, merchants can ensure the transaction was indeed authorised by the cardholder, thereby reducing the risk of chargebacks.
