A set of fraud prevention protocols that enables a real-time, secure, information-sharing connection between merchants, payment networks, and financial institutions to authenticate customers more accurately and reduce fraud in card-not-present transactions. Each card network (Visa, Mastercard, American Express, and Discover) has their own version of 3-D Secure.

• • 3D Secure version 2.0 improvements over version 1.0: Stronger authentication methods – Biometric and risk-based authentication methods replace static passwords
• • Improved customer experience – No need to enter a password or complete a sign-up form
• • Browser-based and in-application support for more devices – Enables mobile, in-app, and digital wallet payment applications