What is 3D Secure?

What is 3D Secure?

• A. A separate offline process with no user interaction
• B. It reduces the need for fraud checks
• C. It is a replacement for 2FA
• D. An additional step after checkout where the bank prompts for additional verification

Answer: (D)

3D Secure adds an extra authentication step to online card payments. After you enter your card details, the card issuer may require you to prove who you are—usually by logging into your bank app, entering a password or a one-time code, or using biometrics. This verification happens during the payment flow, often shown as a bank page or a modal, and once you complete it, the payment moves forward. It’s an online process and part of stronger verification, not a standalone offline check and not something that replaces two-factor authentication in general. The described behavior—an additional step after you initiate the payment where the bank prompts for verification—captures how 3D Secure works.

3D Secure adds an extra authentication step to online card payments. After you enter your card details, the card issuer may require you to prove who you are—usually by logging into your bank app, entering a password or a one-time code, or using biometrics. This verification happens during the payment flow, often shown as a bank page or a modal, and once you complete it, the payment moves forward. It’s an online process and part of stronger verification, not a standalone offline check and not something that replaces two-factor authentication in general. The described behavior—an additional step after you initiate the payment where the bank prompts for verification—captures how 3D Secure works.