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FinTech Glossary

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3-D Secure (3DS)

What Is 3-D Secure (3DS)?

3-D Secure is a card payment authentication protocol that adds an extra verification step during online payment, requiring the cardholder to authenticate before the payment is authorised.

How 3DS Works for Online Card Payments?

When a customer makes an online card payment, they are redirected to their bank or card issuer for authentication, usually via OTP or app-based approval. Only after successful verification is the transaction processed. In India, 3DS is mandatory for most card-not-present transactions.

Why 3DS Matters in Digital Payments?

3DS reduces card fraud, protects merchants from chargebacks, and increases customer confidence. It ensures liability protection and compliance with regulatory standards, especially for e-commerce and subscription payments.

Business Context

Businesses accepting online card payments rely on 3DS to balance security and transaction success. Clear payment routing and reconciliation remain critical for smooth operations.

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