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What is 3-D Secure actually?

3-D Secure is an XML-based protocol designed to be an additional security layer for online credit and debit card transactions. It was developed with the intention of improving the security of Internet payments and is offered to customers under the name Verified by Visa. Services based on the protocol have also been adopted by MasterCard as MasterCard SecureCode.

3-D Secure adds an authentication step for online payments.

 

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