3-D Secure for Online Merchants

The EMVCo protocol that checks a card-not-present shopper without unnecessary friction at checkout. What it does, what it leaves to you, and how to add it.

PayPal supports 3-D Secure in two payment flows. Here is how to pick an SCA setting, set the return and cancel URLs, and track liability shift.

Having 3-D Secure enabled sounds like a switch you control. In practice the issuing bank decides a lot of what your customer sees.

What 3-D Secure is, who runs it, how the two flows work, and what it will and will not do for your store.

What 3D Secure does, who runs the challenge, and how liability shift really works when you pick a gateway.

A real-time identity check layered onto your online card payments. Here is what happens between checkout and authorization, and what it means for fraud.

3D Secure 2 checks that the shopper is the cardholder before the payment clears. Here is how the two flows work and what to expect when you add it.

Visa Secure is Visa's EMV 3DS program. Here is how the authentication flow runs at checkout and why it cuts card-not-present fraud.

The error means the cardholder's bank did not finish its identity check. Here is what happened, what you control, and what to tell the customer.

What the 3D Secure screen at checkout is, how the check runs, and what it does and does not do for fraud and liability.