Visa Secure EMV 3-D Secure for Merchants | Visa
Visa Secure with EMV® 3-D Secure
Next generation authentication to make global eCommerce secure in real-time.
Visa Secure with EMV 3-D Secure Authentication
Visa pioneered the original 3-D Secure protocol more than 15 years ago to protect eCommerce transactions by providing an additional layer of identity verification before authorization. 3-D Secure (3DS) enables the exchange of data between the merchant, card issuer and, when necessary, the consumer, to validate that the transaction is being initiated by the rightful owner of the account.
The acceleration of eCommerce
eCommerce continues to accelerate worldwide with online shopping becoming the preferred way to shop for many consumers. This growth in digital commerce requires businesses to prevent card-not-present fraud and ensure good transactions are seamlessly approved.
Addressing today’s complex security needs
Visa worked with other payment brands to develop the next generation of the protocol—EMV 3-D Secure. Visa Secure is Visa’s global EMV 3-D Secure program that makes authentication simple, lowers friction for consumers and helps prevent card-not-present fraud.
Benefits
Merchant benefits
Issuer benefits
Optimal customer experience
Supports different payment channels, delivering a unified web and mobile experience.
More approvals and less fraud
Delivers an enhanced data exchange between merchants and issuers to help improve authorization decisioning and fraud detection.
Flexible UX and more control
Allows for better integration of the authentication process into the merchant’s shopping experience.
Satisfies regional regulations
Supports strong customer authentication for issuers, acquirers, payment service providers in regulated markets.
Get the implementation guide for acquirers
Guide includes the EMV 3-D Secure processing flows, how to get started, program rules, and more. If you do not have a Visa Online account, speak to your acquirer or your Visa account executive.
Reduces friction
Enables a collaborative data exchange between merchants and issuers that enhances Risk-based authentication to improve authorization decisioning and fraud detection.
Optimal customer experience
Delivers a simple and secure authentication experience for the cardholder if the transaction is deemed high risk.
Flexible device support
Supports secure payments for card-not-present purchases across desktop, mobile or other digital services.
Case study: Powering eCommerce with risk-based authentication
A Canadian financial institution had been using user IDs and passwords to verify customer identity during online checkout. Due to the friction caused by this authentication method, customers were abandoning transactions and abandoning sales.
Download authentication case study
Case study: Enhancing the customer experience and driving eCommerce growth with Visa Secure
A bank in the Middle East had been using continuous one-time password challenges to authenticate customers during card-not-present transactions. This strategy led to long checkout times, abandoned transactions, and friction leading to customer complaints.
Download eCommerce growth case study
Resources
Case study: Benefits of adopting Visa Secure with EMV 3-D Secure
Learn how Best Buy Canada improved its customer experience and achieved a dramatic drop in fraud with EMV 3-D Secure.
What is EMV 3-D Secure?
Learn more about how EMV 3-D Secure makes eCommerce transactions more secure in real time.
Visa Secure with EMV 3-D Secure infographic
Get a one-page overview of how EMV 3-D Secure works.
Download the Visa Secure EMV 3-D Secure infographic
Vendor list and documentation
Please refer to the Visa Secure Services site for the approved list of 3-D Secure vendors and documentation to become compliant.
Visa Secure assets and guidelines
Immediately access the Visa Secure badge assets, brand guidelines, and customer-facing FAQ.
Contact your Visa card issuer directly for more information.
Source: ONLINE PAYMENT FRAUD Emerging Threats • Segment Analysis • Market Forecasts 2018-2023, November 2018, Juniper Research.