What is 3D Secure?

3D Secure is an additional layer of security to make online shopping transactions safer, by authenticating a cardholder’s identity at the time of purchase. It’s provided by Visa as 'Verified by Visa', and by Mastercard as 'Mastercard SecureCode'.

How 3D Secure Works:

3D Secure adds an additional step to the authentication of online payments.  In order to complete a transaction using a credit or debit card, a cardholder must provide additional proof of identity, such as a password or other information known by the cardholder. 

How will this impact you?

You MAY be redirected to their card issuing bank, to use 'Verified by Visa' or 'Mastercard SecureCode', before returning to your site once authorisation is complete.

More info if you would like it:

https://www.visa.co.nz/run-your-business/small-business-tools/payment-technology/visa-secure.html#2