Benefits of 3D-Secure

Benefits of 3D-Secure

If you are a merchant, you definitely care about the security of your online transactions. One of the ways to achieve that is by implementing 3-D Secure. The name probably rings a bell but if not, let us give you a short summary of what it is, together with the benefits that come with it.

Technically, the term 3D-Secure refers to 3 Domain Server. The name is given because it involves three parties that are the key figures in the whole 3D-Secure process.

3D-Secure (3-domain secure), also known as Payer Authentication, is a security protocol to prevent fraud in transactions with credit and debit cards online. Currently, this service is provided by Visa and MasterCard under the name Verified by Visa and MasterCard SecureCode, respectively.

3D-Secure is designed and developed by MasterCard and Visa to secure online transactions. As a new technical standard, 3D-Secure is designed to reduce risks of unauthorized card usage. With this new technology in place, online shopping has become more safe and secure for the merchants and the customers.

Visa has branded their system as “Verified by Visa” and MasterCard offers its system under the name of “MasterCard SecureCode”. Although 3D-Secure offers a wide and superior range of protection system, merchants must not consider it as the universal remedy for all kinds of online payment fraud.

3-D Secure comes with many benefits for merchants, as well as for their customers. It makes online shopping safer, builds company’s credibility, and improves brand loyalty. Here’s the list of other advantages:

1. Liability shift

Liability shift

The fundamental use of this system for the online companies to use the 3D-Secure scheme is the assurance of the shift of liability on every transaction that is successfully verified. Once the liability assumption is completed, the card issuers offer protection.

In this case, it becomes the responsibility of the vendors to get the confirmation regarding the terms and conditions related to the liability shifts.

Please take note that liability can only shift from you to the card-issuing bank in certain cases if you attempt to verify the card via 3D-Secure. If you process a 3D-Secure compatible card as a normal credit card, the liability will be on you.


2. Reducing the risk of fraud

Reducing the risk of fraud

3D-Secure reduces not only the risk of fraudulent transactions, but also the risk of disputed transactions.
The additional security layer may decrease the number of completed transactions, but it makes your payments safer.


3. No extra costs

No extra costs

Merchants, when you choose the payment gateway, find the one that doesn’t require extra costs for adding 3D-Secure into your account. There is no extra costs to add 3D- Secure onto your Razer Merchant Services account.

To sum up, the 3D-Secure system is an innovative way of keeping it secure and still using the best available online merchant facilities.


For more details about 3D-secure Transaction for your business, contact Razer Merchant Services. We are very happy to assist you.

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