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What is 3D Secure?

3D secure is a security protocol designed to add an extra layer of protection for online card transactions. It helps prevent unauthorised use of credit and debit cards for online purchases and reduce the risk of card-not-present fraud.

The 3D Secure process typically involves the following steps:

  1. Initiation: When a cardholder makes an online purchase, the 3D Secure process may be triggered. This is often indicated by a pop-up window or redirection to a secure page during the checkout process.
  2. Authentication: The cardholder is prompted to enter a one-time password (OTP), often sent to their mobile phone or email, to verify their identity. Alternatively, some systems use biometric authentication such as fingerprints or facial recognition.
  3. Authorisation: Once the cardholder’s identity is verified, the card issuer sends an authentication result back to the merchant, indicating whether the transaction can proceed.

The 3D secure feature is currently under development at CFPS and will soon be implemented for both virtual and physical cards.

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