3D Secure is a security protocol that helps prevent fraud in online credit/debit/prepaid card transactions. It has been adopted by the major credit card companies, including Mastercard.

When required due to security or regulatory guidelines, you will be provided with one or more challenges to verify that it is really you making the purchase. For example, a challenge can be entering a one-time verification code that you receive via email or text message.

It’s important to understand that not all of your card purchases will require 3D Secure verification. You will only be provided with 3D Secure challenges when required due to security or regulatory guidelines. For example, if your online purchase is made in a domain governed by Europe’s PSD2 regulations, 3D Secure will be used.

For more information, please visit the 3D Secure FAQ page in our Support Center.
For step by step instructions on the different verification flows, please visit our blog post.