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

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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Optimal customer experience

Supports different payment channels, delivering a unified web and mobile experience.

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More approvals and less fraud

Delivers an enhanced data exchange between merchants and issuers to help improve authorization decisioning and fraud detection.

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Flexible UX and more control

Allows for better integration of the authentication process into the merchant’s shopping experience.

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Satisfies regional regulations

Supports strong customer authentication for issuers, acquirers, payment service providers in regulated markets.

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Reduces friction

Enables a collaborative data exchange between merchants and issuers that enhances Risk-based authentication to improve authorization decisioning and fraud detection.

Positive Visa Customer Experience

Optimal customer experience

Delivers a simple and secure authentication experience for the cardholder if the transaction is deemed high risk.

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Flexible device support

Supports secure payments for card-not-present purchases across desktop, mobile or other digital services.


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Contact your Visa card issuer directly for more information