3D Secure process improves the security of Internet payments by allowing authentication of cardholders by their issuers during an online purchase thus, reducing the likelihood of fraudulent usage of credit cards.

How Does 3D Secure Work?

During an online purchase, the cardholder enters their credit card details which are captured by the participating online store. These details are redirected to a Payment Server where it is determined whether the cardholder is enrolled in 3-D Secure. If the customer is enrolled, they are redirected to the website of the card issuing bank to authenticate the transaction. If this authentication process is successful, then the payment proceeds otherwise the transaction is declined.

If the customer is not enrolled then depending on the implementations by the merchant, the customer is either re-directed to an enrollment form or the online purchase can proceed as normal.

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