The Role of 3D Secure in Online Payments

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3D Secure (3DS) is a security protocol designed to protect online card payments. It adds an extra layer of authentication, helping to verify that the person making a purchase is the legitimate cardholder. Often seen as “Verified by Visa” or “Mastercard SecureCode,” 3D Secure reduces fraud, chargebacks, and unauthorized transactions in e-commerce.

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When a customer makes an online payment, 3D Secure prompts them to complete an additional verification step. This can be a password, one-time code sent via SMS, biometric authentication, or an app-based confirmation. Only after this step is successfully completed does the transaction proceed. By requiring this extra confirmation, 3D Secure ensures that even if card details are stolen, they cannot be easily used for fraudulent online purchases.

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Monavate incorporates 3D Secure into its card and payment solutions to provide businesses and individuals with enhanced online transaction security. By leveraging 3DS, Monavate reduces the risk of fraud and protects both merchants and cardholders. Combined with Monavate’s real-time controls and monitoring tools, 3D Secure ensures that online payments are not only convenient but also highly secure, giving customers confidence and businesses peace of mind in every transaction.

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