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.
1. The customer provides their card information and is redirected to the card scheme to verify their identity:
2. Contextual information from the customer’s device is also shared with you and the scheme to conduct a risk assessment, e.g.:
3. You and the scheme each make an informed decision about whether to request additional authentication: