3D Secure (3DS) helps prevent fraudulent online transactions by creating an extra authentication step in the payment process.
Added protection for your e-commerce facility.
3D Secure is an online authentication system offered by Mastercard® as 'Mastercard SecureCode®' and Visa as 'Verified by Visa'. The system confirms the identity of the cardholder by asking for authentication when they enter their card details on an online payment page. This usually takes a few seconds to complete, ensuring there is no disruption to the payment process.
How 3D Secure works.
What are the benefits of 3D Secure?
Reduce the risk of fraud related chargebacks
If a cardholder raises a payment dispute (chargeback) for a purchase that's been authenticated through the 3D Secure system, it's much less likely to be upheld as an unauthorised purchase by the card schemes Mastercard, Visa and UnionPay International.
Protect your business from card fraud
Fraudsters with stolen credit or debit cards are less likely to target your e-commerce site if you have an extra authentication step in place before the transaction is completed.
Provide peace of mind to your customers
When you enable 3D Secure, you can display the 'Mastercard SecureCode' or 'Verified by Visa' emblem on your e-commerce site. This means customers who transact with you know that their card details are protected by an extra layer of security.
How can I get 3D Secure?
If you're a Westpac merchant, Mastercard's 3D Secure system Mastercard SecureCode can be integrated with your e-commerce facility by your payment gateway provider.
Westpac works with the following gateway providers:
Things you should know.
Mastercard® is a registered trademark and the circles design is a trademark of Mastercard International Incorporated.
3D Secure is governed by the Merchant Services Agreement.