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What is 3D Secure?

3D Secure - a security protocol used to authenticate online payments. This protocol adds an additional layer of security by requiring the cardholder to enter a unique code or password that is verified by the bank each time a transaction is made.

The purpose of 3D Secure is to reduce fraudulent transactions and chargebacks, which can be costly for merchants and banks. By requiring authentication from the cardholder, it makes it more difficult for fraudsters to use stolen credit cards or card information.

The name "3D" stands for three-domain model, which refers to three parties involved in the authentication process: the Issuer Domain (the bank that issued the card), the Acquirer Domain (the merchant's bank), and the Interoperability Domain (the infrastructure provided by card schemes).