What is 3D Secure (3DS) for online card transactions?

In the ever-evolving landscape of online transactions, security remains a top priority. One of the crucial tools in combating online fraud and ensuring secure payments is 3DS authentication. Here are some common questions related with 3DS authentication.

1. What is 3DS?
3DS, short for Three-Domain Secure, is an authentication protocol designed to add an extra layer of security for online credit and debit card transactions. It provides an additional authentication step for cardholders making online purchases, reducing the risk of unauthorized use of their cards.
2. Why do I have to complete the 3DS?
Completing 3DS helps to protect against fraudulent transactions by verifying your identity. This helps to prevent unauthorised use of your credit or debit card.
3. How does 3DS work?
When making a purchase, you will be redirected to a page where you will be prompted to enter a one-time password or provide additional information to confirm your identity. This information is provided by your bank.
4. What if I don’t receive the 3DS prompt?
If you don’t receive the 3DS prompt, it may be due to technical issues or because your bank does not support 3DS. Contact your bank for assistance.
5. What if I don’t have a 3DS-enabled card?
If you don’t have a 3DS-enabled card, you may not be able to complete the transaction. Contact your bank to see if they offer a 3DS-enabled card or an alternative method of authentication.
6. What if my 3DS authentication fails?
If your 3DS authentication fails, it may be due to incorrect information or technical issues. Check the information you entered and try again. If the issue persists, contact your bank for assistance.
7. How long does 3DS authentication take?
3DS authentication usually takes within minutes to complete. However, in some cases, it may take longer if there are technical issues or if additional information is required.
8. What if I have trouble completing 3DS authentication?
If you have trouble completing 3DS authentication, contact your bank or the merchant’s support team for assistance.
9. Is 3DS secure?
3DS is designed to be a secure method of authentication. However, no method of authentication is foolproof, and there is always a risk of fraud. Be sure to keep your card information secure and monitor your accounts for any unauthorised activity.