3D Secure Payment Protection

3D Secure Payment Protection, or 3DS for short, is a payment security solution designed to prevent online fraud for credit and debit card transactions, and keep your payments safe.

Keep all transactions safe for business

By using 3D Payment authentication as provided by Moneos, you are shifting the liability of guaranteeing that payment to your customers, safeguarding you from fraud.

Get started

3D Secure Payment FAQs

The term 3DS refers to the three-domain servers that it uses. These are the merchant's acquiring bank, the cardholders' issuing bank (for example Barclays), and the infrastructure provided by the card scheme (for example Visa/MasterCard).

3D Secure asks cardholders to answer a security question or enter a specific PIN sent to them via SMS or email (also known as an OTP or One-Time-Passcode).

The biggest advantage to 3DS is that it protects both sides of transactions in a sale from fraud, and as it shifts the liability of payment to the card issuer, protects our partners.

3D secure technology is branded under different names acronyms, which can often confuse business owners. Ultimately, this is how transactions are conducted the majority of the time in the modern world.

© 2025 Moneos. All rights reserved.