The Key to Secure Online Shopping: 3D Secure

The Key to Secure Online Shopping: 3D Secure

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The key to secure online shopping: What is 3D Secure Payment and how does it work? Learn more in our latest blog post!

The Key to Secure Online Shopping: 3D Secure

Online shopping systems are increasingly preferred by more users each day. The growing interest in virtual marketplaces and corporate e-commerce sites also raises concerns about online payment security. Many consumers who are new to e-commerce may question whether paying by credit or debit card online is truly safe. However, it’s quite easy to determine whether a website is secure. Sites that offer the 3D Secure payment option ensure that your credit card details and personal information remain protected at the highest level. So, what is 3D Secure and how does it prevent fraud? Here are all the details you need to know about the 3D Secure payment method…

What is 3D Secure and What Does It Do?

3D Secure is an XML-based security protocol designed to prevent online fraud. One of the most common types of fraud on the internet involves the theft of credit card information. With malicious websites, it is often possible to capture the card number, name, and password from the front of your credit or debit card—allowing unauthorized transactions or even complete access to your funds or credit limit. This makes the use of credit and debit cards in online shopping risky. To eliminate this risk and allow anyone to shop securely online, financial institutions developed the 3D Secure system. This system is integrated into e-commerce websites and requires the input of personal information within a secure field. Websites using 3D Secure cannot see your credit card number, name, or password. All information is entered into a secure plugin owned by the collaborating financial institution, effectively blocking online fraud attempts.

What is a Verification Code?

The most important feature of the 3D Secure system is its multi-layered security structure. To complete a purchase using 3D Secure’s triple protection, your mobile phone number registered with your bank must also be used. After you enter all necessary banking and personal details, the system sends a verification code to your phone. You are then prompted to enter this code on the screen to proceed with your purchase. The verification code is a critical element of the security process—it helps confirm the identity of the cardholder and prevents fraud in case your card information is compromised. The code remains active for only 2 to 3 minutes, and if not entered in time, the transaction is canceled and no money is transferred. Thanks to the code, the system verifies that the transaction is being made by the actual card owner, significantly enhancing security.

The Most Secure Way to Use 3D Secure: Lidio

The 3D Secure system is a crucial indicator of trust for e-commerce websites. Many customers who don’t feel confident in the payment methods may abandon their purchase at the checkout stage. If you run an e-commerce site and want to increase your sales, integrating 3D Secure into your platform is essential to making visitors feel safe. By choosing Lidio to manage your payment processes, you can benefit from 3D Secure alongside other security solutions, helping to boost your site’s transaction volume. With Lidio, you can also take advantage of low commission rates and fast settlement, adding flexibility to your online business operations. Click here to learn more about all Lidio products and get in touch!


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