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3-D Secure

payments

Also called: 3DS

Plain-language definition

Plain-language definition

An extra cardholder-authentication step used for some online card payments.

Why it matters

It can satisfy authentication requirements or reduce fraud exposure, but a challenge can also interrupt checkout.

Technical detail

3-D Secure is a card-network authentication protocol that exchanges transaction and risk data and may present an issuer challenge before authorization continues.

Examples

  • The customer approves a card payment in their bank’s authentication screen.

Sources and review

Reviewed July 12, 2026 by e2e-1783854138445-0citu53rtqqe@test.repairyour.tech. Next review due January 11, 2027.

  1. Payment Intents — Stripe Accessed 7/11/2026

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