3D Secure v1: what are the limitations of the current version?

Currently, when 3D Secure is activated, the buyer is redirected to a page managed by their issuing bank in order to authenticate him or herself using the bank’s identification system (via SMS code, calculator, etc.).

This first version of 3D Secure, designed by Visa and Mastercard in 2002, was the first step towards securing e-commerce transactions. It has been used on most commercial websites since 2008.

In most cases, the merchant can benefit from a payment guarantee when 3D Secure authentication is successful. This payment guarantee is described in Expert Back Office.

However, 3D Secure authentication requires a break in the purchase process and sometimes results in payment cancellations.

For these reasons, some merchants choose to disable 3D Secure, with the agreement of their bank.