Three-Domain Secure (3DS or 3-D Secure) is an XML-based messaging protocol that enables cardholders to authenticate themselves with their card issuer while making card-not-present (CNP) purchases online.


  • Enhanced payment authentication provides you and your customers greater protection from fraudsters.
  • Liability-shift based on the result of the 3DS validation.
  • Drives down the per-transaction costs and increases savings.
  • Enhances trust and confidence for customers doing online shopping.
  • Simplifies the transaction flow and drives up conversion rates.