About 3D Secure

3D Secure is an authentication protocol for online credit and debit card payments. It provides an extra layer of security and prevents fraud-related chargebacks. After entering their credit card details, customers are redirected to the card scheme to verify their identity, before completing payment.

If a customer requests a chargeback due to fraud after the transaction passed 3D Secure authentication, the card scheme is responsible for the costs instead of you.

MultiSafepay is required under the Payment Services Directive 2 (PSD2) to apply 3D Secure to all Europe-based credit card payments.

How it works

1. The customer provides their card information and is redirected to the card scheme to verify their identity:

  • American Express Safekey
  • Mastercard SecureCode
  • Verified by Visa

2. Contextual information from the customer’s device is also shared with you and the scheme to conduct a risk assessment, e.g.:

  • Transaction value
  • New or existing customer
  • Customer’s transaction history
  • Customer’s location

3. You and the scheme each make an informed decision about whether to request additional authentication:

  • Frictionless flow: The transaction appears legitimate and is authorized without further user-side authentication.
  • Challenge flow: The transaction appears risky and the customer is asked to provide additional authentication, e.g. password, SMS code, fingerprint.

3D Secure 2.0 flow

3D Secure Flow 3D Secure Flow

See also


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Other languages

For an explanation in another language, contact your account manager.