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Understanding 3D Secure

What Is 3DS2?

3DS2 Stands for 3D Secure 2.0

It is an advanced authentication layer. It prevents unauthorized use of cards and protects eCommerce merchants and issuers from exposure to fraud. The name “3D” is short for “3 Domain”, referencing the issuer domain, acquirer domain, and interoperability domain. Each of the card brands has their own branded 3D Secure offering.

  • American Express Safekey®
  • Discover ProtectBuy®
  • Mastercard SecureCode®
  • Visa Secure®

For details of current 3DS2 payment compliance requirements and the timeline for mandatory implementation in the EU, checkout our 3D Secure Merchants Handbook.

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