What is the 3D Secure procedure?
3D Secure is a procedure for securing credit card payments on the internet and requires additional confirmation of identity, for example by entering a password or fingerprint. This helps eliminate the misuse of credit cards in online commerce. The procedures go by the names “Mastercard Identity Check,” “Verified by VISA,” and “American Express Safekey”.
The procedure is intended to prove that the credit card payment has indeed been initiated by the owner of the card. This additional security step has been mandatory in the EU since 1 January 2021. It is based on the second Payment Service Directive 2 of the European Union, which stipulates that customers must prove their identity twice for all electronic payments in the European Union.