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Discover everything you need to know about 3D Secure Verified by Visa, the powerful online security protocol designed to protect your digital transactions. In this comprehensive guide, we’ll walk you through how 3D Secure works, its key benefits for both consumers and merchants, and why it has become an essential layer of fraud protection in today’s e-commerce environment.
Whether you’re a shopper looking to understand how your transactions are secured or a business owner aiming to reduce chargebacks and build customer trust, this guide will give you the insights you need to navigate the world of secure online payments with confidence.
Shopping online has become more convenient than ever, but it also comes with risks. With so many people shopping online, there has been a surge in online fraud and scams. Cybercriminals are always looking for new ways to exploit users’ financial information, leading to an increase in financial crimes such as identity theft and credit card fraud.
To protect customers from these threats, banks and card issuers have implemented various security measures, including 3D Secure Verified by Visa. In this ultimate guide, we’ll delve into everything you need to know about this security protocol, from what it is and how it works to its benefits and much more.
3D Secure Verified by Visa is an online security protocol that adds an extra layer of protection to online transactions. This protocol was created to reduce the risk of fraudulent transactions by verifying the identity of the cardholder during the transaction process.
3D Secure Verified by Visa is an advanced online security protocol designed to provide an additional layer of protection during digital transactions. Developed to minimize the risk of fraud, it works by verifying the cardholder’s identity at the time of purchase.
When you make an online payment using your Visa card, the 3D Secure system evaluates the transaction for potential risks. If it flags the transaction as high-risk, you’ll be prompted to complete an extra verification step such as entering a one-time password (OTP) or confirming a personal security message shared between you and your bank. This added layer of authentication helps ensure that the transaction is being made by the rightful cardholder, offering greater confidence and safety for both merchants and customers.
The 3D Secure Verified by Visa protocol works by adding an additional layer of security to the online transaction process.
Here’s how it works:
The cardholder initiates an online transaction by entering their card details on a merchant’s website. The merchant’s website then sends the transaction details to the cardholder’s bank for verification.
The cardholder’s bank checks the transaction details and determines if the transaction is high-risk or not. If the transaction is not high-risk, the transaction is processed as usual. If the transaction is a high risk, the protocol prompts the cardholder to enter a one-time password or a personal message to verify their identity.
If the cardholder enters the correct one-time password or personal message, the bank authorizes the transaction, and it is processed as usual. If the cardholder enters an incorrect password or message, the transaction is declined
Here are some of the benefits of using 3D Secure
3D Secure Verified by Visa provides enhanced security by verifying the identity of the cardholder during the transaction process. This additional layer of security reduces the risk of fraudulent transactions, protecting both the cardholder and the merchant.
Chargebacks occur when a cardholder disputes a transaction and requests a refund from their bank. Chargebacks can be costly for merchants, resulting in lost revenue, fees, and even the loss of their merchant accounts. 3D Secure Verified by Visa can help reduce the risk of chargebacks by providing proof that the cardholder authorized the transaction.
Using 3D Secure Verified by Visa is easy and requires no additional registration. The protocol automatically checks if a transaction is high risk and prompts the cardholder to enter a one-time password or personal message if necessary.
Using 3D Secure Verified by Visa is straightforward and doesn’t require any separate registration. When you make an online purchase with your Visa card, the system automatically analyzes the transaction to assess its risk level. If it’s considered high risk, you’ll be prompted to verify your identity typically through a one-time password (OTP) or a personal message before the transaction can be completed.
To ensure a smooth and hassle-free experience, it’s important to keep your contact details, such as your mobile number and email address, up to date with your bank. This ensures that you receive OTPs or verification prompts without delay, helping you complete your purchase quickly and securely.
No, there is no need to register for 3D Secure Verified by Visa. The protocol is automatically applied to all Visa transactions.
While it is not mandatory for cardholders to use 3D Secure Verified by Visa, it is highly recommended to ensure the security of online transactions.
Cardholders cannot opt out of using 3D Secure Verified by Visa. However, if a merchant does not support the protocol, the transaction will proceed as usual.
When a cardholder makes an online purchase with their Visa card, the protocol automatically checks if the transaction is high risk. If it is a high risk, the cardholder is prompted to enter a one-time password or personal message to verify their identity. This additional layer of security reduces the risk of fraudulent transactions.
To ensure a seamless transaction process, make sure your contact information, including your phone number and email address, is up to date with your bank. This will allow you to receive the one-time password or personal message quickly and easily.
With many years of rich experience in technology development, Logibiz Technologies aim to boost your online presence by offering 360-degree solutions related to Online Payments and its Security.
From Online Fraud Prevention solutions to White Label Payment Gateway Platform and complete 3DS testing environment, Logibiz has got your back. Additionally, we also offer consultancy services for all your EMVCo & Card Scheme certification needs.
We provide Free Demo & POC of our products which are certified globally and trusted by leading Financial Institutions worldwide.
Book a Free Consultation Call with our experts to discuss how we can help grow your online payments business.
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The 3DS Server provides a functional interface between the Directory Server (DS) and the 3DS Requestor Environment flows. 3DS Server is responsible for gathering necessary data elements for 3-D Secure messages, authenticating the DS, validating the DS, the 3DS SDK, and the 3DS Requestor, safeguarding the message contents. The 3DS Server also helps to protect the message content while it is being transferred to DS and vice versa.
