For extra fraud protection, 3D Secure requires customers to complete an additional verification step with the card issuer when paying.

3D security protocol adds an additional level of payment protection to an online transaction. In order to complete an online purchase, the cardholder is asked to provide proof of identity by entering a unique password, an SMS code or a temporary PIN.

This process is familiar to customers through the card networks’ brand names, such as Visa Secure and Mastercard Identity Check.