Visa Secure with EMV 3-D Secure Authentication

Visa pioneered the original 3-D Secure identification protocol more than 15 years ago to protect eCommerce transactions by providing an additional layer of card security and identity verification before authorisation. 3-D Secure (3DS) enables the exchange of data between the merchant, card issuer and, when necessary, the consumer, to validate that the transaction is being initiated by the rightful owner of the account. With advanced risk assessment capabilities, this technology enables seamless authentication for low-risk transactions, minimising the need for additional verification steps. As a result, customers can enjoy a smoother and more convenient online shopping experience, leading to increased satisfaction and higher conversion rates for merchants. 
Illustration of an individual using 3DS credit card authentication to purchase groceries

The acceleration of eCommerce

eCommerce continues to accelerate worldwide with online shopping becoming the preferred way to shop for many consumers. This growth in digital commerce requires businesses to prevent card-not-present fraud and ensure good transactions are seamlessly approved. EMV 3-D Secure Authentication addresses the fraud risk by authenticating cardholders during online transactions, protecting your information.

Illustration of an individual attempting to fraud online, showing the importance of card security

Addressing today’s complex security needs

Visa worked with other payment brands to develop the next generation of the protocol – EMV 3-D Secure. Visa Secure is Visa’s global EMV 3-D Secure programme that makes authentication simple, lowers friction for consumers and helps prevent card-not-present fraud. With the increasing sophistication of cyber threats, Visa’s EMV 3-D Secure, a leading 3DS credit card authentication protocol, continually evolves to stay ahead of emerging risks. It provides merchants and consumers with cutting-edge card security solutions to safeguard online transactions effectively.

Benefits

Optimal customer experience

Supports different payment channels, delivering a unified web and mobile experience.

More approvals and less fraud

Delivers an enhanced data exchange between merchants and issuers to help improve authorisation decisioning and fraud detection.

Flexible UX and more control

Allows for better integration of the 3DS credit card authentication process into the merchant’s shopping experience.

Satisfies regional regulations

Supports strong customer authentication for issuers, acquirers, payment service providers in regulated markets.

Get the implementation guide for acquirers

Guide includes the EMV 3-D Secure processing flows, how to get started, programme rules, and more. If you do not have a Visa Online account, speak to your acquirer or your Visa account executive. 

Access Visa Online

Resources

Illustration of the available resources about 3-D Secure identification presented on a computer screen

What is EMV 3-D Secure?

Learn more about how EMV 3DS credit card authentication makes e-commerce transactions more secure in real time.

Visa Secure with EMV 3-D Secure infographic

Get a one-page overview of how EMV 3-D Secure works.

Illustration of an infographic which explains how 3DS credit card authentication works

Vendor list and documentation

Please refer to the Visa Secure Services site for the approved list of 3-D Secure vendors and documentation to become compliant.

Logo of Visa Secure, a 3DS credit card authentication protocol by Visa

Visa Secure assets and guidelines

Immediately access the Visa Secure badge assets, brand guidelines, and customer-facing FAQ.

Contact your Visa card issuer directly for more information

Source: ONLINE PAYMENT FRAUD Emerging Threats • Segment Analysis • Market Forecasts 2018-2023, November 2018, Juniper Research.