3D Secure (3-domain structure) is a security protocol that helps prevent fraud in online credit and debit card transactions as part of Strong Customer Authentication (SCA) that is required within the European Economic Area (EEA) and the United Kingdom.
With 3D Secure, cardholders must confirm their identity when making payments. The banks may ask for a combination of two forms of identification at checkout. Examples include:
- Something they know (such as a PIN number or password)
- Something they have (such as a mobile phone or hardware token)
- Something thats a part of them (such as their fingerprint or face recognition)
The EEA is comprised of: Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden, United Kingdom, Iceland, Liechtenstein, and Norway.
Visit the following articles for the most frequently asked questions about 3D Secure and how it works in each payment processor: