Visa Secure EMV 3-D Secure for Merchants

Next generation authentication to make global eCommerce secure in real-time.

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.

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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.

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.

View the Best Buy Canada case study

What is EMV 3-D Secure?

Learn more about how EMV 3-D Secure makes eCommerce transactions more secure in real time.

Watch the EMV 3-D Secure video

Visa Secure with EMV 3-D Secure infographic

Get a one-page overview of how EMV 3-D Secure works.

View 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.

See the vendor list

Visa Secure assets and guidelines

Immediately access the Visa Secure badge assets, brand guidelines, and customer-facing FAQ.

View Visa Secure assets and guidelines

Source: ONLINE PAYMENT FRAUD Emerging Threats • Segment Analysis • Market Forecasts 2018-2023, November 2018, Juniper Research.